One program for every lot. Renters and homeowners.
Homeowners coverage your residents can actually qualify for, blanket liability across every park, and resident programs that add revenue instead of admin.
Beagle underwrites the whole portfolio directly: one review across every community, renters and homeowners on the same program.
- Renters and homeowners on one program
- Every lot
- Blanket liability across parks and entities
- One renewal
- The portfolio is underwritten as a whole
- Direct
What we hear from MH operators
After a year of conversations with operators across the country, the same three problems come up every time.
Residents can't get homeowners coverage
Lenders require a titled homeowners policy. Standard carriers decline over credit, home age or MH construction. Sales stall and homes sit.
One policy per entity, everywhere
Portfolios built one acquisition at a time end up with a different carrier, renewal date and deductible for every LLC.
Requirements nobody can enforce
Residents show proof at move-in, policies lapse months later, and the next claim lands on your general liability.
Programs built for manufactured housing
Use one, or combine them into a single program across your portfolio.
- HO-7 homeowners for MH residents
- A titled homeowners policy for manufactured homes, underwritten for the residents standard carriers turn away. Built to satisfy lender and chattel financing requirements.
- Blanket general liability
- One liability policy across every park and entity. One renewal, one set of terms, priced on your whole portfolio instead of your worst park.
- Combined renter and homeowner program
- Liability coverage on every lot from day one, whether the resident rents or owns. No certificates to chase, and a resident charge you set that becomes a new revenue line.
- Security deposit alternative
- Residents pay a small monthly fee instead of a lump-sum deposit. You stay covered for damages and skip move-out disputes. How the deposit program works.
- Tenant liability waiver
- For company-owned and rented homes: protects the community against resident-caused damage without requiring each renter to buy a policy. How the waiver works.
- Connected to your PMS
- API integration with Rent Manager keeps the program running inside the property management system your team already uses. Yardi Voyager and Rentvine are supported directly as well.
A 1,500-unit MH operator picked one program for renters and homeowners
The operator was close to signing Rent Manager's preferred insurance solution, which covered rentals but not homeowners. Beagle underwrote the portfolio as a whole and structured one program for both resident groups at a lower cost, while staying connected to Rent Manager.
80%
Projected increase in retained program revenue
+$72,000
Projected additional revenue per year
$19
Same resident charge per unit, per month
| Per enrolled unit | Rent Manager's preferred solution | Beagle |
|---|---|---|
| Resident charge / unit / month | $19 | $19 |
| Program cost / unit / month | $14 | $10 |
| Retained revenue / unit / month | $5 | $9 |
| Portfolio retained revenue / year | $90,000 | $162,000 |
Client anonymized. Projections assume 1,500 enrolled units for 12 months at a $19 resident charge. Baseline from Rent Manager's insurance revenue calculator. Retained revenue is charges less program cost, before operating expenses. Actual results may vary.
Turn insurance from a cost center into a revenue line
Blanket liability can run under $10 per lot per month. You set the resident charge, and the difference is yours. Pick your portfolio size:
Resident charge
$10 / lot / month
You keep
$3 per lot / month
Annual revenue
$36,000
Resident charge
$12 / lot / month
You keep
$5 per lot / month
Annual revenue
$60,000
Resident charge
$15 / lot / month
You keep
$8 per lot / month
Annual revenue
$96,000
Illustrative only, assuming a program cost of about $7 per lot per month. Actual pricing depends on underwriting, limits and state. Resident charge structure is subject to applicable state law.
How it works.
Send your portfolio
Your location schedule, lot counts, renter and homeowner mix, and current policies with renewal dates.
We underwrite the whole portfolio
One review across every community, with no broker relay, so you get a decision and a program design fast.
Start with a pilot or go portfolio-wide
Roll out at a few communities first, or bring every park onto one program at your next renewal.
Questions operators ask
Beagle underwrites the program directly, with no broker in the middle. Some programs are written on an E&S basis depending on state. Your proposal names the issuing carrier and its rating for each coverage.
See what Beagle could do for your portfolio.
Send your current policies and lot count. We’ll show you what one program across every park would look like, at no cost.
Coverage is subject to underwriting approval and state availability. This page is a summary and not a policy.