LinesHome, Dwelling, Specialty
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Homeowners | Home | Most states | Manufactured Home program: single-wide, double-wide, modular and tiny homes of any age in fair condition or better, values up to $300K in most states, up to 25 homes on one policy. Owner, seasonal, rental and tenant occupancies. Includes loss of use at 10% of Coverage A and water damage at 100% of Coverage A ($3,500 mold sublimit); liability $25K to $500K optional (Manufactured Home agent page, Oct 2026; product guide dated Oct 2022). |
| Landlord | Dwelling | Most states | Dwelling Special: rental, seasonal and vacant homes in above-average condition, up to four-family and three stories, row houses and townhomes OK, up to 30 homes on one policy, no age limit in most states. Fair rental value and other structures at 10% of Coverage A each; premises liability $25K to $500K optional (Dwelling Special agent page, Oct 2026; product guide dated Jan 2022). |
| Landlord | Dwelling | Most states | Dwelling Basic (dwelling fire): rental, vacant, seasonal and standalone non-residence structures in fair condition or better, up to four-family and three stories, no age limit, up to 30 homes per policy. Options include short-term and occasional rental, premises liability $25K to $500K and water damage (Dwelling Basic agent page, Oct 2026; product guide dated Jan 2022). |
| Homeowners | Dwelling | Most states | Dwelling Basic also takes owner-occupied homes in fair condition or better that need a basic dwelling fire form, up to four-family with no age restriction (Dwelling Basic agent page, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Motorsport: motorcycles (touring, cruiser, sport, scooter, trike, classic, custom), ATVs, UTVs, dirt bikes, golf carts, low-speed vehicles, e-bikes, snowmobiles and trailers, on full coverage or liability only. Accessories included at $3,000 for motorcycles and $1,000 for off-road units, optional up to $30K. RVs are not listed (Motorsport agent page, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Boat: ski boats, sailboats, bass boats, runabouts, pontoons, sportfishers, personal watercraft and performance boats up to 27 feet, 90 mph and $1M value. Yacht program takes vessels 27 to 64 feet and houseboats up to 100 feet (Boat agent page, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Collector Vehicle: classic, antique, muscle, street rod, race car, restoration in process, military, modified, replica, kit, exotic, fire engine and truck, on full coverage or comprehensive only. Available in most states; options include appreciation of value and automobilia (Collector Vehicle agent page, Oct 2026; product guide dated Oct 2022). |
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