Atlas Products - Manufactured Homes

Atlas Insurance Agency offers policies for all the following situations and needs:

Package Program. Includes protection for your home, personal property and adjacent structures (sheds and detached garages). Personal liability coverage is usually part of the policy, too.

By-line. Some people don't need a full range of protection. With our by-line policy, you select only the coverages and limits you really need.

Seasonal. Do you have a manufactured home that you use as a vacation residence? This policy is specially designed for the coverage needs of a seasonal home.

Rental. Protection for a manufactured home you rent to others. This policy includes coverage for the home structure itself; you can also add coverage for premises liability as well as protection for personal property you may still have in the home.

Tenant. If you live in a manufactured home that you rent, this policy is for you. It provides protection for your personal belongings, and offers personal liability as an optional coverage.

Vacant. Your manufactured home may be vacant for any number of reasons. We offer 3- and 6-month policies that cover the home for the time when no one is living in it.

Our policy offerings and coverages vary by state. Ask your agent for details.

In 2001, the industry shipped 193,120 homes from 275 manufacturing facilities. Manufactured housing retail sales were estimated at $9.5 billion. The average sales price of a manufactured home was $48,800. Single-section homes average $30,700, while multi-section homes average $55,100. . Learn More

Source: Manufactured Housing Institute

Homeowner Coverages

Everyone's insurance needs are different. That's why we provide a range of different policy types, all of which automatically include some standard coverages, while also giving you the flexibility to add optional coverages.

Many of the coverages we offer are listed here. But, not every policy includes all of the coverages listed below. Coverage is only provided by your policy if it is specifically listed on your declarations page. We recommend you review your declarations page for specific information on the coverages and limits your policy provides. Want to add a coverage that's not on your policy? Ask your agent for details.

Protection for the Home and Adjacent Structures. Coverage that protects the home itself, as well as any equipment and fixtures that were part of the home when it was first built or purchased from the dealer. This coverage also protects any detached garages and sheds you own that are on your property.
Personal Property Protection. When this coverage is part of your policy, we automatically provide protection for certain types of personal property. We also offer increased coverage for special items typically limited or excluded in standard policies, such as jewelry, coins, and more.
- We Include: Protection for your personal property if it is destroyed or becomes unusable due to fire, theft, lightning, windstorm, tornado, hail, explosion, smoke, sudden plumbing leaks, vandalism and more.
- Optional Protection: Our optional scheduled personal property protection provides increased coverage for special personal property items such as jewelry, coins, collections and more.
Additional Living Expenses. When this optional coverage is part of your policy, it helps pay your living expenses should your home become uninhabitable due to a covered loss.
Depreciation Protection. Sometimes settlement payments are subject to depreciation, which can make it hard to replace your home if it's completely destroyed by a covered peril. To help you recover from a total loss, we offer replacement cost coverage on select American Modern policies; ask your agent for details.
Coverage Before You Move In. An optional protection that's beneficial if you're putting your brand new manufactured home on your own property. It's called Builders Risk, and many loan companies and lenders require this type of coverage before they will give you a loan on your home. But even if they don't, it's good protection for you.
- As soon as your home loan is closed, this coverage provides protection for personal liability, theft of building materials and damage caused by site improvements.
- When the home is delivered to your property, the policy protects the home, adjacent structures and your personal property - even before the home is installed and ready for occupancy.
Fire Department Service Charge Coverage. If the fire department needs to come to your home, you are billed for the trip they make. This pays for that charge, to policy limits.
Emergency Removal Coverage. We will pay for the reasonable expense incurred by you, subject to a limit, for the removal and return of your home if it is endagered by a peril insured against.
Trip Collision Protection for When You Move. Moving your home to a new location? There's always the possibility of having a collision accident along the way. Make sure you add this optional endorsement to your policy to protect against collision damage that could happen during the move.
Personal Liability. You could be held liable for an accident that causes property damage or bodily injury to another person. When this coverage is part of your policy, we will pay for the damages incurred and/or pay for someone to represent you in court.
Medical Payments to Others If someone is hurt while on your property and needs medical attention, we will pay for their medical needs, to policy limits.

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Claims Expertise

Immediate Catastrophe Aid. Whenever there's a major storm, our claims professionals join forces to provide the fast, efficient service our customers deserve. We've even had claims professionals on the scene before hurricanes hit land so we could begin handling claims as soon as things cleared up. For more information about our claims department, click here.
Fast and Reliable Claims Service. Our customers can report a claim online or over the phone, any time day or night. Customer service representatives take claims in person from 8 a.m. to 7 p.m. Eastern Time, Monday through Friday. We also have after-hours and weekend service for emergencies!

Handy Options, Benefits and Extras

Many Deductible Options. We offer deductibles ranging from $250 to $1000. Talk to your agent to determine the best deductible choice for you.
Various Payment Options. We offer our customers many flexible ways to pay the premium on their policies. They can pay it all at once, or in convenient installments. They can take advantage of EZPay™, a once-a-month electronic funds transfer that pays the premium due - and the customer even picks the day of the month the transfer occurs. We also take Discover®, MasterCard®, Visa® and American Express®. For more information on any of our payment options, click here.
Superior Customer Service. Atlas Representatives are specially trained to answer policyholder questions quickly and accurately.

The availability of and qualifications for deductible and payment options may vary from state to state. In addition, terms, conditions and exclusions not described above may apply. Please contact your agent for more information.

Read Your Policy Carefully

Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverage available, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change any definitions expressly stated in any contracts of insurance. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverage.