Modular Home Insurance - Modular Homeowners Insurance

Modular Home Insurance is a favorite of one Stratum Insurance Agency's agents.  Modular home insurance is not offered by all carriers.  Working with different insurance carriers allows Stratum Insurance to compare the rates and coverages to help customers find what they are seeking.


When requesting a quote for modular home, it is important to inform your agent that you have a modular home, not just a manufactured home or mobile home. 


When calling or clicking for a quote, please confirm whether your home is tied down or if it is permanently attached to the foundation.  Homes with a permanent foundation may be eligible for a more traditional homeowners policy (H03). 


Some optional coverages that may be available (and sometimes included), beyond the main coverages seen on a policy are:

• Satellite Dish Coverage
• Golf Cart Coverage
• Identity Theft Coverage
• Flood Insurance
• Earthquake Insurance
• Personal Injury Coverage
• Increased coverage for personal property with special limits
• Freezer Contents Coverage

Obtaining the right insurance for your modular home is crucial to protection your investment. Today's modular homes have many of the luxurious features and extras of a traditional site build home. It is important to review your insurance each year to make sure that you have the right coverage for your home. Depending on where you live and


Stratum Insurance Agency, LLC is able to compare the rates of multiple modular home insurance carriers to help clients find the balance of coverage and price that they are seeking. Thanks to its connection with several modular home insurance companies, Stratum Insurance Agency is able to get quotes for modular home renters insurance, modular home landlords, modular home owner-occupiers.


Quote Links:


1. Modular Home Insurance for Owners
2. Modular Home Landlords
3. Modular Home Renters Insurance


Contact by phone: (949) 270-0609


(available in over 25 states)




** Coverages, products, rules, and regulations vary by state. Not all products available in all states. In CA, license number 0e52066

Crime Insurancce

Crime Insurance Policies - Employee Theft Insurance - Fidelity Policies

Contact: Stratum Insurance Agency, LLC - (949) 270-0609

Crime insurance is an important type of insurance to protect your business.  While some business owner policies may provide some coverage, purchasing a crime policy can offer protection from $250,000 up to $40,000,000, often at a reasonable price.

Crime insurance is available for many businesses, non-profit organizations, government entities, banks, construction companies, public, and private companies.  Stratum Insurance Agency, LLC can help over 100 classes of businesses with their crime insurance needs in over 30 states. 

Coverage under a crime policy may include:

• Employee Theft
• Forgery or Alteration Coverage
• Counterfeit Paper Currency Coverage
• Computer and Funds Transfer Fraud
• Coverage for the cost of Investigation in the event of a claim
• Access to loss control resources and employee prescreening programs

Important protections to consider for your business:

• Crime Insurance
• Fiduciary Dishonesty Coverage
• Kidnap, Extortion and Ransom Coverage
• ATM Theft Coverage
• Directors and Officers Insurance
• Professional Liability Insurance
• Cyber Liability Insurance
• Commercial General Liability Insurance

Request a quote or application for Crime Insurance:
By Phone: (949) 270-0609

Online Information Requests

* Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by state). No insurance is offered or afforded through this posting. License info at: www.stratumins.com/license.htm CA Lic #: 0e52066

Oklahoma Condo Insurance (Oklahoma h06 insurance / Oklahoma ho6 insurance)

Oklahoma Condo Insurance (Oklahoma h06 insurance / Oklahoma ho6 insurance)
States Available: Arizona, Colorado, California, Michigan, Ohio, Oklahoma, Oregon, Tennessee, Utah, Virginia.

Contact: Stratum Insurance Agency, LLC - (949) 270-0609

Oklahoma Condo Owners need look no further than Stratum Insurance Agency for their insurance needs. Condo buyers obtaining their mortgages are finding that they are often required to purchase condo-unit owners insurance, known as a H06 (ho6) Insurance policy. This is also sometimes referred to as walls-in coverage.

Because many homeowners association master insurance policies only cover the rebuilding of exterior structures and not the interiors. It is crucial to purchase the right coverages for your condominium. H06/HO6 policies offer much more coverage than just protection for your personal property, it is key to purchase an adequate amount of dwelling coverage, personal liability coverage, and loss of use.

Current Oklahoma condo owners with insurance, especially those who have not reviewed their coverage in some time, should use this opportunity to review their condominium owners insurance and make sure that they have the appropriate coverages in place. With increased rebuilding costs, it is important to have the right amount of dwelling coverage for your home and other structures.

Oklahoma homeowners insurance and condo owners insurance policies offer many coverages of which policyholders are not aware. Some of these coverage options may include identity theft coverage, water backup coverage, and personal injury coverage.

If you are a new buyer, contact Stratum Insurance before closing your loan so that they can help you compare rates and coverage options. Escrow billing is available for new buyers who want to pay for their insurance from at their loan closing or through an impound account.


Stratum Insurance Agency, LLC is able to compare price and coverage combination from
different insurance companies to help clients find a product that meets their needs. The agency is licensed in over 30 states across the US.



Request a quote:
Online: Oklahoma Homeowners Insurance Quotes
Online: Oklahoma Condo Insurance Quotes
Online: Oklahoma Renters Insurance Quotes

By Phone: (949) 270-0609


* Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by state). No insurance is offered or afforded through this posting. License info at: www.stratumins.com/license.htm

Utah Non-Owner Auto Insurance and Insurance with SR22 in Utah

Utah Non-Owner Auto Insurance and Insurance with SR22 in Utah

If you need auto insurance quote as a non-owner with or without an SR22, call Stratum Insurance Agency, LLC (949-270-0609). The agency can help clients in Utah who do not own cars but still need insurance. Not all insurance carriers offer policies to clients who do not own a vehicle, so this offers another option for Utah residents.  If you have a car, the agency can also help compare the rates of multiple carriers to locate great coverage at a great price.

In addition, Stratum Insurance Agency, LLC can assist clients with homeowners. condo, and  renters insurance.

As a leading auto insurance agency licensed in Utah , Stratum Insurance Agency, LLC is able to help clients with a variety of driving records from perfect to those with DUIs and DWIs that need SR22 Filings. In many cases, and SR22 filing is required when a driver with a DUI / DWI is attempting to get his license reinstated or to obtain a hardship license in Utah .

Useful Links:

• Utah Non-Owner Auto Insurance Quote
• Utah Auto Insurance Quote with a Car
• What is an SR22?
• Utah Renters Insurance   - use for any state
• Utah Home Insurance - use for any state
• Utah Condo Insurance - use for any state
• By Phone: 949-270-0609

* Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by state). No insurance is offered or afforded through this posting. Licensing info at https://www.stratumins.com/license.htm/