Archives for mobilehome

Mobile Home with CartThe iMGA MobileHome program is back and better than ever, with coverage choices that include:

  • Lot sizes up to 300 acres.
  • Liability limits from $50,000-$300,000.
  • Tenant and owner occupied properties.
  • Primary or secondary homes.
  • All protection classes eligible.
  • Up to 9 dwellings on the same policy.
  • Theft coverage options.
  • Replacement cost coverage on homes up to 10 years old and over $40,000 in value.
  • Contents coverage up to 2 times the MobileHome limit.
  • Other structures coverage from $0 to 2 times the MobileHome limit.
  • Optional Glass and Vandalism & Malicious Mischief (V&MM) coverage.
  • Discounts for roof updates and hail-resistant roofs.
  • Burglar and fire alarm credits.
  • Multiple deductible options.
  • Direct billed with up to 10 monthly payments.

We’re working to make MobileHome easier than ever, so be sure to quote all your Texas MobileHome clients with iMGA today.


Of course you can grow your agency by finding new customers or by adding new markets.

But the easiest and fastest way to grow your agency is to increase the number of products you provide for your existing customers. The sale is easier because you already have a relationship, plus studies have shown that customers with multiple policies stay with you longer. This multiplies your growth over time.

Fortunately as an iMGA agent you have a wide range of products to meet multiple needs for your clients:

  • Homeowners – HOA, HOA+ and HOB options to cover a wide range of home values, ages and conditions.
  • MobileHome – Specialty coverage for clients whether inside a mobile home park or not.
  • Dwelling – TDP1, TDP1+ and TDP3 policies for owner and tenant-occupied dwellings.
  • Vacant Dwelling – A specific option for hard-to-place vacant homes.
  • Renters – Contents and Liability coverages for insureds who don’t yet own a home.
  • Umbrella – Up to $5 million in primary and/or $5 million excess coverage for clients with the need to protect a wide range of assets.

All iMGA products focus on being EASY to use, with instant online binding, payment and document and flexible direct bill options. So as an iMGA agent you can focus on making sure you’re offering all your clients all the protection they need and growing your agency quickly in the process.

If you’re an agent who is not already working with us and would like a to grow your agency by offering a Texas Personal Property program that includes cutting-edge Renters, Dwelling, Vacant, MobileHome, HOA/HOA+/HOB and Umbrella products, just tell us a little about yourself.

Different MobileHome owners have different needs. That’s why at iMGA we offer three different ways for you to protect your MobileHome customers:

  1. A TDP3 Policy. That’s right – if you’re looking for special risk coverage for the dwelling you can provide a TDP3 policy for a MobileHome. This is particularly good for insureds with higher value MobileHomes since dwelling limits of up to $300,000 are available in this program. It’s also a great choice for those who might need additional Loss of Use coverage. (Loss of Use coverage is 20% of the dwelling amount on a TDP3 but only up to $100 per month on a MobileHome policy.) A TDP3 also provides coverage for the peril of wind-driven rain, which is not available under other forms.
  2. A MobileHome Policy. Of course we offer a traditional MobileHome policy also. This offers a good alternative for insureds where the contents value is up to twice the dwelling limit and the total value of the dwelling and all building additions is less than $75,000.
  3. A TDP1 Policy. In cases where the dwelling is ineligible for either a MobileHome or TDP3 policy we may be able to accommodate the risk on a TDP1 policy, giving you a coverage option for an otherwise difficult-to-place risk.

No matter what your client’s MobileHome needs are, iMGA offers a great way to provide them with appropriate coverage.

At iMGA we’re not like most insurance operations. We’re not stuffy, we don’t take our selves too seriously, we live by a unique code that would make most of our competitors cringe.

We know that the most important differences are the ones that make our agents’ lives easier, though.

That’s why we recently added a feature to all our San Antonio Indemnity Company underwritten HOA, HOA+, TDP1, TDP3 and MobileHome policies that will help the fantastic independent agents that represent iMGA really stand out against any competitor.

All the above new policies effective and issued 8/15 and later automatically include Equipment Breakdown Coverage!

What is Equipment Breakdown Coverage?

Equipment Breakdown coverage adds coverage for the perils of mechanical or electrical breakdown to the policy, with its own separate $500 deductible.

What Kinds of Items are Covered?

If it uses electricity, it’s most likely covered. Here are just a few examples:

  • Computers
  • Televisions
  • Home Security Systems
  • Air Conditioners
  • Heat Pumps and Furnaces
  • Hot Water Heaters
  • Swimming Pool Systems
  • Well and Irrigation Systems

How can I learn more?

You or your customers can go to the iMGA Equipment Breakdown page and click on the “Learn more about Equipment Breakdown coverage” link to see an fun, interactive, detailed demonstration of the many things in a home that are covered. We encourage you to share this link with anyone in your agency or any of your clients that has any questions at all.

Want to know even more? Login to and follow the links on the welcome page to download three different brochures/handouts you can print or email to your clients.

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