OFPA does not offer a “homeowners” package policy (which would include Liability & Property coverage under one policy.)
Manufactured/Mobile Homes of any age will be considered by the OFPA.
Risks composed of Manufactured/Mobile Homes buildings at one location (and/or their contents) designed for use by one to four families are eligible in all protection classes (1–10) when not used for any business purpose. Manufactured/Mobile Homes and outbuildings utilized in the scope of a farming operation are not eligible for this program.
DP–1 Basic Form (ISO form DP-00-01)
- Vacant property is not eligible for coverage.
- Manufactured/Mobile Homes or other structures with an unrepaired or worn out roof must be written with fire peril only.
- Minimum limit—$1,000
The named perils covered under this coverage part are:
| Perils | DP 00 01 Basic Form |
| (Please refer to the policy form for actual coverages and exclusions). | |
| Fire or Lightning, Internal Explosion | Yes |
| Extended Coverage meaning Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, Volcanic Eruption | Optional * |
| Vandalism or Malicious Mischief | Optional ** |
| Falling objects, Weight of Ice, Snow or Sleet, Accidental Discharge of Water or Steam, Sudden Cracking of a Steam or Hot Water Heating System, Freezing, Sudden Damage from Artificial Electric Currents | No |
| Loss Settlement Provisions | DP 00 01 Basic Form |
| Actual Cash Value | Yes |
| * May be written with the perils of fire or lightning, internal explosion only. ** Extended Coverage must be purchased before Vandalism and Malicious Mischief can be purchased. | |
The maximum coverage available under a Mobile/Manufactured Home policy (for all coverage parts) is $600,000. Higher total limits may be available by purchasing Facultative Reinsurance which is arranged on a case by case basis by the underwriter. Special fully earned minimum premiums will apply when reinsurance is purchased.