American Mobile Insurance Exchange
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official guidance is limited and consumer-facing rather than a formal producer appetite guide. Current published focus is manufactured/mobile homes, with AMIE describing itself as offering coverage for manufactured homes and stating the exchange was launched to provide mobile homeowners insurance coverage in Florida. The main target business shown is owner-occupied manufactured homes under the Mobile Homeowners (MHO) form, which includes property, scheduled attachments such as screen rooms, sheds, carports, and attached garages, personal property, additional living expense/temporary housing, and built-in personal liability coverage. A second product, Mobile Homeowners–Dwelling Fire (MHO-DF), is positioned for owner-occupied and rental residences with more limited dwelling and personal property coverage; personal liability is optional and windstorm coverage is optional for additional premium. Practical underwriting takeaways from the published material: preferred business appears to be Florida manufactured/mobile homes, especially owner-occupied risks for the comprehensive MHO product; rental dwellings can be considered under the MHO-DF form. Attachment structures must be scheduled, and under the Dwelling Fire form carports, sheds, and screen rooms need to be scheduled separately. Geographic note: Florida is the only state clearly and specifically referenced in official materials, and no broader state availability or territory grid was verified. Restricted/declined classes are not expressly published on the verified official pages; no formal ineligible-risk list, age restrictions, protection-class limits, occupancy limitations beyond the product descriptions, or catastrophe/coastal restrictions were found on the accessible official site. Submission/producer guidance is also limited: the site directs prospects to find an agent for an immediate quote or submit a contact form, with general contact channels at info@americanmobileinsurance.com and 1-800-892-9613. No dedicated broker portal, appetite checker, producer appointment instructions, loss-run requirements, inspection rules, or document checklist were verified on the official pages reviewed. Broker note: because formal underwriting rules are not publicly posted, agents should treat AMIE as a specialty Florida manufactured-home market and confirm eligibility, wind availability, occupancy treatment, and scheduling requirements directly with the carrier before marketing or submitting borderline risks.