Mobile Home Guard

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The Mobile Home-Guard Policy is a package policy that provides both property and personal liability coverages. The property coverage is provided by Hay Creek Mutual. The liability coverage is provided by Grinnell Mutual. The success of the Mobile Home-Guard program and the ability to provide competitive rates and coverages depends on the agent's ability to select good business. The purpose of these general rules is to help the agent in selecting good business.

1. The Mobile Home-Guard Policy is a named peril coverage policy (HO 2) with a minimum coverage limit of $5,000.  The policy provides NO automatic Coverage B for Appurtenant Structures.  If there is an appurtenant structure such as a garage, carport, deck or storage shed, the structure must be listed on the application for a specific dollar valuation.  The Mobile Home Guard policy is issued as a broad form two policy only.  The policy can not be endorsed to provide risk of direct loss coverage.
2. The Tenant Mobile Home-Guard Policy provides for coverage to unscheduled personal property for a tenant (non-owner) of a mobile home. Minimum coverage is $5,000. Personal Property Replacement Cost (HCM 90) is included in the rates.

The agent is the first line underwriter in selecting applicants which exhibit pride in ownership through the appearance of their property and their favorable loss history. The agent must strive to accurately identify all exposures to loss presented by the prospective insured and select the proper coverages available under the Mobile Home-Guard Program to cover those exposures in a manner acceptable to both the applicant and the insurer.

Two photos, taken from opposite corners, of each mobile home and one photo of each appurtenant structure to be insured are required to be submitted with each fully completed application.

Additional photos are required when requesting Coverage A and/or B to be increased more than 10% of their present policy limits.

The following exposures are not eligible for coverage under the Mobile Home-Guard Program:

a.       Mobile homes  poorly maintained or poor general housekeeping.

b.      Mobile homes with  roomers or boarders.

c.       Mobile homes not owner occupied.

d.      Insureds who have had more than two claims in the past three years, not including losses caused by natural causes such as lightning or wind and hail.

e.       Mobile homes not used for residential purposes.

f.        Mobile homes with portable, space, or kerosene heaters, and mobile homes which have  wood-burning stoves or fireplaces not factory installed.

h.       Mobile homes valued less than $5,000.

i.         Owners of vicious dogs, domesticated wildlife, or dangerous animals. Vicious dogs may include Pit Bulls, Dobermans, or Rottweilers.

j.        Steps without railings or steps/sidewalks poorly maintained.

k.      Uncontrolled or unfenced swimming pools.  Swimming pools that do not have a locking gate shall be deemed to be an ineligible risk.

l.         Any property which does not have functioning smoke detectors installed in the property.

m.     Any insured who has a trampoline located on the insured premises.

n.       Any insured who you could not recommend or who has a poor character reference.

Fire protection classifications do not apply to mobile homes.  One premium rate applies to mobile home, regardless of location.

      A 10% discount may be applied to the property and liability premium if the agent also writes the private passenger automobile policy.

1. To verify supporting insurance, submit a copy of the automobile declarations page or new business application with the Home-Guard application.
2. The Mobile Home-Guard named insured must also be the named insured on the auto policy.

 

The policy issued by Hay Creek Mutual is an annual policy with a two-year continuous renewal period.  On the third anniversary, the agent must complete a renewal application.  Once the renewal application is processed, Hay Creek Mutual will issue a new policy with all the applicable forms.  The policy number will remain the same.

 

1. When the policyholder cancels the policy, any remaining unearned premium will be refunded, pro-rata, within 30 days following the insurer's receipt of the notice of cancellation.  In most circumstances, the refund check will accompany the cancellation notice.
2. If the company initiates cancellation, cancellation can not be effective unless the company returns any unearned premium with the notice of cancellation or so that the insured receives the premium refund due no later than the effective date of the cancellation.

 

The insurance application must be completed in it's entirety and must be signed by both the insured and the agent.  The application must list the dimensions of the structures and the legal location of the property.  A post office box or a rural route address is not sufficient for the property inspector or the claims adjuster.

 

The back of the application must be completed in detail.  If the answer to question 12 is "yes", enough information about the cancellation must be included to allow Hay Creek Mutual to comply with Minn. Statue 72.A.20, Subd.13.  If the applicant has had prior claims, please provide enough information to allow Hay Creek Mutual to determine if the loss was caused by natural causes, if the prior insurer made payment, and if there was any subrogation.

 

Hay Creek Mutual will accept Accord applications.

 

Hay Creek Mutual uses a digital imaging system for policy files.  This system uses the insured’s social security number as a universal identifier.  We request that the insured’s social security number be included on the application.

 

Our insurance processing system can also record birth dates, driver license numbers, work phone numbers, cell phone numbers, and email addresses.  We request this information if it is available.