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
Carrier overview - American Mobile Insurance Exchange (AMIE) is a Florida-domiciled reciprocal insurer focused on manufactured/mobile home property business, including Mobile Homeowners (MHO) and Mobile Homeowners – Dwelling Fire (MHO-DF). Coverage is positioned for manufactured home risks with optional liability.([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) Preferred / target business (inferred from products and positioning) - Manufactured/mobile homes located in established parks and communities; AMIE’s launch materials emphasize manufactured homeowners, largely in adult parks, across Florida. - Personal residential occupancy (owner-occupied) is implied focus; program is marketed as mobile homeowners and dwelling fire rather than broad commercial habitational.([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) Restricted or declined (inferred / operational expectations) - Concentration: Florida-only property writer; treat any risk outside Florida as ineligible. - Catastrophe exposure: As a Florida manufactured-home property market participant, underwriting will be cat and wind driven. Expect tighter controls on coastal distance-to-shore, roof age/condition, tie‑downs, and park standards. Written guidance is not publicly posted, but market conduct and consent-order documents from the Florida OIR emphasize compliance with Florida Insurance Code, appropriate use/appointment of adjusters, and adherence to internal procedures. - Given recent enforcement actions and consent order related to claims-handling deficiencies after Hurricanes Ian and Idalia, assume heightened internal scrutiny around claim documentation, communication timeliness, and form/notice requirements; retail agents should avoid any misrepresentation of coverage, hurricane deductibles, or claims obligations.([wflanews.iheart.com](https://wflanews.iheart.com/featured/florida-news/content/2025-09-02-florida-fines-eight-insurers-2-million-for-hurricane-ian-and-idalia-claims/?utm_source=openai)) Geographic notes - Operates in Florida; K2 launch release and Florida OIR documentation describe AMIE as focused on the Florida mobile home market. No evidence of authority or appetite outside Florida. - Florida OIR filings classify AMIE as a Property & Casualty writer; treat AMIE as a Florida-regulated homeowners/mobile home insurer subject to all applicable FL personal residential statutes, including hurricane-specific requirements and claims-handling standards.([americanmobileinsurance.com](https://www.americanmobileinsurance.com/k2-insurance-services-sponsors-the-launch-of-american-mobile-insurance-exchange-a-new-reciprocal-exchange-that-will-provide-mobile-homeowners-insurance-coverage-in-florida/?utm_source=openai)) Submission & access - Distribution is through appointed agents/partners; the public site routes consumers to find an agent or request contact, and carrier/agent functions appear to run through a secure portal (InsurSys / West Point Insurance Services). Retail producers should expect that quotes and submissions are handled via the American Mobile portal or via aligned MGAs/agents rather than via open market submissions.([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) - Claims are reported via a dedicated AMIE claims phone line and online FNOL portal; this confirms a structured internal claims workflow but does not publish agent-facing underwriting rules.([inshelpers.com](https://inshelpers.com/claims?utm_source=openai)) Broker / producer operational notes - No formal, public appetite guide or producer underwriting manual is posted on the main website or in search-accessible locations. Retail agents should obtain current eligibility and underwriting rules directly from their MGA/wholesaler or AMIE marketing contact before binding. - Florida OIR market-conduct and consent-order documents following Hurricanes Ian and Idalia highlight deficiencies in adjuster appointment, acknowledgement of communications, required disclosure statements, issuance of Homeowners’ Claims Bill of Rights, and payment of statutory interest. Expect AMIE to be operating under enhanced compliance expectations; producers should: - Ensure accurate, complete application information (occupancy, park type, age/condition of home, protection class, prior losses). - Carefully explain policy deductibles, hurricane participation, and coverage limitations, and document those communications. - Promptly direct insureds to official AMIE claims channels and advise them to maintain written records of claim communications. Because AMIE does not publish a public-facing appetite or underwriting guide, all class-level eligibility, surcharge/exclusion rules (e.g., age of home, roof age, skirting/tie-down requirements, vacancy, seasonal/tenant-occupied use, prior losses) should be treated as controlled by internal manuals accessible only through appointed channels. Treat AMIE as a specialized Florida manufactured-home market with a cat-focused, compliance-sensitive underwriting posture.