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
American Mobile Insurance Exchange (AMIE) is a Florida‑domiciled reciprocal focused on manufactured/mobile home property risks in Florida. Its consumer and portal sites describe product scope and financial strength but do not publish a formal public appetite guide or detailed underwriting manual. Preferred / target business - Manufactured (mobile) homes written on AMIE’s two core products: Mobile Homeowners (MHO, including property and liability) and Mobile Homeowners – Dwelling Fire (MHO‑DF, property with optional liability).([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) - Florida risks only; AMIE is described as a Florida‑domiciled exchange offering manufactured home coverage "in the State" and positioning itself as a specialized partner for that marketplace.([portal.americanmobileins.net](https://portal.americanmobileins.net/CustomerPortal/aboutus.aspx?utm_source=openai)) - Owner‑occupied and dwelling‑fire exposures typical of the manufactured home segment (exact occupancy, age, and protection‑class tolerances are not disclosed publicly and must be confirmed via underwriting/portal rules). Restricted or declined classes (inferred) - No explicit public list of prohibited classes (e.g., age of home, roof condition, park vs. private land, coastal/hurricane‑exposed tiers) is provided. Given the product is admitted Florida personal property, expect standard Florida manufactured‑home restrictions tied to construction standards, age/condition, prior losses, lapse history, and wind exposure. Specific acceptability, surcharges, or exclusions must be checked in rating/underwriting screens. - Commercial, non‑residential, or non‑manufactured structures are outside the stated product scope and should be assumed out of appetite unless the underwriter or portal indicates otherwise. Geographic notes - Florida only: AMIE is Florida‑domiciled, regulated by the Florida Office of Insurance Regulation (OIR), and is described as providing manufactured home coverage "in the State" with an admitted program and reinsurance purchased for hurricane/tropical‑storm events.([portal.americanmobileins.net](https://portal.americanmobileins.net/CustomerPortal/aboutus.aspx?utm_source=openai)) - Admitted carrier, subject to Florida insurance laws and OIR oversight; recent OIR examinations and a consent order relate to operations/compliance but do not publish granular class‑by‑class appetite usable by producers.([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)) Submission / producer notes - Distribution is via appointed independent agents; public site directs consumers to "find an agent" for quotes rather than offering direct‑to‑consumer binding.([americanmobileinsurance.com](https://www.americanmobileinsurance.com/?utm_source=openai)) - Policyholder and agent activity appears to run through the American Mobile portal (americanmobileins.net) for policy servicing and claims FNOL; underwriting and eligibility rules are embedded in that system, but not exposed as a separate public appetite or underwriting‑guidelines page.([portal.americanmobileins.net](https://portal.americanmobileins.net/CustomerPortal/?utm_source=openai)) - No public producer manual, rate‑guide, or underwriting‑bulletin library could be located. Binding authority, documentation requirements (photos, tie‑down/foundation proof, park approval, prior insurance, inspections), and any tiered wind or coastal rules must be followed as displayed in the carrier’s rating/underwriting platform or in non‑public producer materials. Broker / operational considerations - AMIE is a reciprocal exchange sponsored by K2 Insurance Services, with marketing and underwriting services provided under an attorney‑in‑fact arrangement; producers should expect underwriting direction and referrals to flow through K2/AMIE program management.([theinsurer.com](https://www.theinsurer.com/ti/news/k2-and-lee-equity-partners-launch-fl-reciprocal-exchange-with-hscm/?utm_source=openai)) - Carrier is admitted and maintains an "A (Exceptional)" Financial Stability Rating® from Demotech, supporting use for Florida manufactured‑home placements where rating adequacy is important to lenders/parks.([portal.americanmobileins.net](https://portal.americanmobileins.net/CustomerPortal/aboutus.aspx?utm_source=openai)) Net: treat AMIE as a Florida‑only, manufactured‑home personal‑lines market with standard Florida manufactured‑home eligibility and wind‑exposure constraints. Because no public appetite or underwriting guide is available, all detailed risk‑acceptance, documentation, and exception handling must be verified in the carrier’s portal or with your AMIE/K2 underwriting contact.