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Underwriting
Guidelines -
Mobile Homeowner Package Policy
(MHO) |
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Guidelines
The Mobilehomeowners Policy was designed to provide insurance
coverage on the above average to average mobilehome. The following are
guidelines to assist you when writing a mobilehomeowners policy. If the policy
does not fit these guidelines, it may fit another type of policy. Please consult
with your underwriter if you have questions.
** ALL MOBILEHOMES WILL BE REVIEWED PRIOR TO RENEWAL ***
For
Eligibility Based on these Guidelines:
- The agent has no
binding authority on risks with Property or Liability claims within
the last five years. Please consult with the Company to determine if limited
coverage is available in these circumstances. Please submit loss information
from the prior carrier.
- The agent has no binding authority on risks
cancelled by another company for underwriting reasons, nonpayment of premium or
claims frequency. Please consult with the Company to determine if limited
coverage is available in these circumstances.
-
Student Housing is unacceptable due to higher VMM.
- Mobilehomes 0-6 years will be eligible
for a 10% MHO credit.
- Mobilehomes 0-10 years may be written on
a ML-1R, 2, 3, or 8.
- Mobilehomes 10-20 years may be written
on a ML-1R, 2 or 8.
- Mobilehomes over 20 years must be
submitted for approval to write a mobilehomeowners policy. Older
mobilehomes will be inspected prior to renewal to determine if
coverage may remain as written, or if the risk must be cancelled or
conditionally renewed.
- If home is located in a mobilehome park,
the electrical installation must be done by a licensed electrician.
- If your risk is
within 10 feet of the adjoining dwelling or mobilehome, please submit
for pre-inspection.
- Seasonal risks may be
written on forms ML-8 or ML-1R only. Coverage may not exceed
current book value or a maximum of $80,000.
- Rehabilitation Projects are not
acceptable, until work is completed. It may be written on a
Dwelling Fire policy at limited coverage, with acceptable supporting
business. Please submit to your underwriter for approval.
If the risk has any of the
problems listed in items #13-#18, the risk is not eligible for coverage.
- BUILDING MAINTENANCE: The building must be kept
up to date. Plumbing, heating, and electrical installations must be up to code.
There must be no water stains or loose plaster on ceilings or walls; floor
coverings must not be ripped; light fixtures must be installed properly;
hallways must be well lit; sidewalks must be even and free of ice and snow when
applicable; porches & steps must have railings; steps must be even; no holes in
floorboards.
- BUILDING HOUSEKEEPING: The mobilehome and
surrounding areas must be kept free of debris, trash and other attractive
nuisances.
- ELECTRICAL: All units must have proper
electrical systems. A minimum of 150-amp service is required with proof of
wiring updates. Electrical services must be approved by a licensed electrician
or building (code enforcer) inspector.
- HEATING: In order to be eligible for forms ML-2
or ML-3, there must be central heat. To qualify for form ML-1R, Central heat or
a Non portable space heater is required. Woodburning Stoves, pellet stoves,
fireplaces, Kerosene heaters or any other type of portable heaters are
NOT ACCEPTABLE. Wood or coal furnaces must have lined chimneys.
- ROOFS: In order to be eligible for forms ML-1R,
ML-2 or ML-3 the roof should be in good condition and be less than 20 years old.
Please note any areas in poor condition that you would like excluded from
coverage.
- PLUMBING: If heat tapes are used, they must be
U. L. approved; they must be installed by a licensed plumber or other qualified
personnel; they must not overlap and heat tapes must have a separate breaker.
- RELATED PRIVATE STRUCTURES: The garage or shed
must be in good condition. It cannot be in danger of collapse or have a poor or
unacceptable roof. Identify all buildings that are located on the premises. If
the outbuilding is more than a three-car garage or basic utility shed, the
building does not qualify as a related private structure. If the building is a
barn or commercial-type building and it is in good condition, it may qualify for
fire coverage on a separate policy. Contact your underwriter for a fire
quoteSMOKE DETECTORS & CARBON MONOXIDE DETECTORS: They must be operational in
all units and hallways. Batteries should be checked and replaced periodically.
Fire extinguishers are recommended.
- SMOKE DETECTORS & CARBON MONOXIDE DETECTORS:
They must be operational in all units and hallways. Batteries should be checked
and replaced periodically. Fire extinguishers are recommended.
- There must be two exits from the mobilehome.
- ML 3 FORM CRITERIA: The plumbing, heating,
electrical installation, water heater, roof and chimney must have been updated
within the last 20 years or in accordance with industry standards or Company
guidelines in effect at the time of policy issuance or renewal. This information
must be listed on the application or renewal update form. Failure to submit
required underwriting information could result in a cancellation being issued.
The Company reserves the right to deny ML-3 coverage based on information
received on the application or inspection report
- REPLACEMENT COST RATING is not available
for mobilehomes.
- BUSINESS ACTIVITY- There is no coverage
for incidental business exposures, without Company approval prior to binding.
Day care services in the dwelling by the owner of the building, tenant or any
other resident ARE NOT PERMITTED.
- Above-ground pools must have proper locks and
gates and in-ground swimming pools must be fenced.
- Any risk with a prior claim or cancellation
involving a dangerous or uncontrolled animal will not be accepted.
- Risks with aggressive animals on premises are
not acceptable, whether the animal belongs to the insured, tenant or temporary
resident.
(Return to Top ] Revised 09/2012
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