How does Allstate handle applications from marinas for manufactured home policies?

Allstate's policy regarding applications from marinas for manufactured home insurance generally reflects a cautious approach, leading to the decision to not accept them. This is likely due to the increased risks and unique considerations associated with insuring manufactured homes located in marina environments, such as exposure to water damage, higher risk of storm impacts, and other liability concerns that differ from conventional residential locations. By not accepting these applications, Allstate can manage their risk exposure more effectively.

In contrast, while some companies might consider documenting applications from marinas, require additional fees, or assess them on a case-by-case basis, Allstate’s firm stance offers clarity and consistency in their underwriting processes, focusing on maintaining a sustainable portfolio of risks.