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 broker appetite guide. Current published appetite is narrowly focused on manufactured/mobile homes only. AMIE states it offers two products exclusively for this market: (1) Mobile Homeowners, a comprehensive owner-occupied form with property and liability coverage, including manufactured homes, scheduled attachments such as screen rooms, sheds, carports, attached garages, and personal property; and (2) Mobile Home Dwelling Fire, intended for owner-occupied and rental residences, with more limited dwelling/personal property coverage. Preferred business therefore appears to be personal lines manufactured homes, especially owner-occupied risks, with ability to insure scheduled appurtenant structures. For Dwelling Fire, rental residences are specifically contemplated. Restricted/limited items noted in the published product language: windstorm coverage on the Dwelling Fire form is optional rather than automatic, personal liability on the Dwelling Fire form is optional, and attachments/carports/sheds/screen rooms must be scheduled separately rather than assumed covered. No formal declined classes, valuation limits, age/manufacture restrictions, protection class, binding authority, coastal restrictions, vacancy rules, animal/breed restrictions, or loss-history thresholds were found on the verified public pages. Geography: the site identifies AMIE as a Florida domestic reciprocal insurer based in St. Petersburg, Florida, but no public state availability map or territory-specific underwriting bulletin was found on the verified pages; treat geographic appetite and any coastal/wind eligibility as unconfirmed from public guidance. Submission/placement: AMIE directs prospects to obtain an immediate quote through a local agent via the 'Find an Agent' process or to submit a web contact form for follow-up; products are stated to be offered through carefully chosen independent agencies with manufactured-home expertise. Broker/producer notes: no public producer portal, broker submission checklist, or standalone appetite guide was verified. Publicly available materials indicate business is distributed through selected independent agencies, so new submissions likely need to flow through appointed/participating agents rather than a broad open broker submission channel. Operationally, use AMIE for manufactured/mobile home personal lines opportunities and confirm state availability, wind eligibility, scheduling of attachments, rental eligibility under the Dwelling Fire form, and agency access requirements directly with the carrier or appointed agent before marketing.