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 focus & appetite: - American Mobile Insurance Exchange (AMIE) is a Florida‑domiciled reciprocal focused on manufactured (mobile) home insurance, primarily mobile homeowners and mobile home dwelling fire, written through independent agents. ([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) - Writings are described as manufactured/mobile homeowners products "across the State of Florida"; operationally treat appetite as Florida manufactured/mobile homes only unless the program administrator provides written confirmation of any expansion. ([portal.americanmobileins.net](https://portal.americanmobileins.net/CustomerPortal/?utm_source=openai)) Preferred business (operational view based on communications and market positioning): - Manufactured/mobile homes in Florida placed through AMIE’s network of carefully selected independent agencies with manufactured‑home expertise. ([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) - Occupancies and park types: external trade press and launch materials indicate a primary focus on manufactured homeowners, "largely in Adult Parks" in Florida; assume age‑restricted parks are a core target, with standard manufactured‑home communities considered but subject to underwriting. ([insurancejournal.com](https://www.insurancejournal.com/news/southeast/2021/02/02/599657.htm?utm_source=openai)) Restricted / declined (inferred – no published class list): - No public, carrier‑authored appetite or excluded‑class schedule is posted. Do not infer acceptance of non‑manufactured dwellings (site‑built, condos, etc.) or non‑Florida risks. - Treat the following as outside appetite unless explicitly cleared with underwriting/program manager: - Risks outside Florida. - Non‑manufactured homes or mixed commercial‑residential occupancies. - Lines of business other than manufactured/mobile homeowners and manufactured/mobile home dwelling fire. - Direct‑to‑consumer submissions bypassing an appointed AMIE agent. Geographic notes: - Florida‑only placement focus is stated in multiple sources ("coverage for Manufactured Homes" in Florida; mobile homeowners coverage in Florida; manufactured homeowners products across the State of Florida). Place and maintain all risks on a Florida exposure basis and confirm eligibility if an insured relocates the home out of state. ([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) Submission & distribution: - All new business is distributed via independent agents with specific expertise in the manufactured home market; customers are directed to "find an agent" or submit a contact form, not to submit applications directly. Underwriters should expect and require submissions to come from appointed agencies. ([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) - Website and policyholder portal provide service and claims access only (locate an agent, policyholder login). There is no public producer portal with rating/underwriting rules; operational guidelines, forms, and rate/eligibility tools are assumed to be distributed privately to appointed agencies by the program administrator or managing general agent. ([portal.americanmobileins.net](https://portal.americanmobileins.net/CustomerPortal/?utm_source=openai)) Broker / producer notes: - Carrier positions its distribution as a "system of carefully chosen independent agencies" with superior expertise in manufactured homes. Expect controlled, limited appointment strategy; new producer appointments likely require demonstrated manufactured‑home experience and approval by the program manager (K2/associated entities). ([americanmobileinsurance.com](https://www.americanmobileinsurance.com/find-an-agent/?utm_source=openai)) - No open "how to become a producer" or submission‑to‑bind workflow is publicly posted. Producers should follow instructions from their program contact or use the main customer service line/email for routing until specific producer guidance is supplied. ([americanmobileinsurance.com](https://www.americanmobileinsurance.com/contact-us/?utm_source=openai)) Financial / regulatory context (for placement awareness – not a substitute for carrier rating checks): - AMIE is a reciprocal exchange, member‑owned, with a reported Financial Stability Rating of A (Exceptional) from Demotech as described on its site. ([americanmobileinsurance.com](https://www.americanmobileinsurance.com/about-us/?utm_source=openai)) - The company is Florida‑domiciled and has been the subject of market conduct and regulatory filings with the Florida Office of Insurance Regulation; underwriters and brokers should remain attentive to any updated bulletins or consent orders that may affect appetite, forms, or rate filings, obtained through internal compliance rather than the consumer website. ([floir.gov](https://floir.gov/docs-sf/property-casualty-libraries/market-regulation/2025/american-mobile-insurance-exchange-%2807-11-2025%29.pdf?utm_source=openai)) Important limitation: - As of this refresh, AMIE does not publish a formal underwriting manual, eligibility grid, or detailed appetite guide on its public website or portals. All class‑of‑business, construction, age‑of‑home, roof, prior loss, and protection‑class rules must therefore be confirmed against internal program documentation, filings, or direct underwriter guidance. The operational guidance above should be treated as directional only, not as binding eligibility criteria.