Standard Casualty Company

Name

Standard Casualty Company

Legal name

Standard Casualty Company

Website

https://stdins.com

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Specialty Insurance (Manufactured Home Insurance)

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (524210), Claims Adjusting (524291)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Claims Handling, Documentation & Dispute Resolution Services (HSAKANAI), Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)

Keywords

• Manufactured home insurance
• Mobile home coverage
• Specialty property insurance
• Factory-built home insurance
• Insurance claims handling

Headquarters

HQ city

New Braunfels

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mobile/Manufactured Home Insurance Premiums: Standard Casualty Company generates revenue through insurance premiums for mobile, manufactured, modular, and factory-built home policies. Revenue is derived from policy premiums including dwelling coverage, personal property coverage, liability coverage, and optional add-ons such as flood and earthquake coverage. The company operates as a specialty insurer focusing exclusively on manufactured housing.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Standard Casualty Company underwrites and services specialty property insurance policies for mobile, manufactured, modular, and factory-built homes, offering a single multi-peril policy that bundles dwelling, personal property, liability, and additional living expenses coverage with optional add-ons including flood, earthquake, and replacement-cost endorsements. Policies are sold direct to consumers online and by phone, and through a network of independent insurance agents, home dealers, and lienholders across 21 U.S. states, supported by an in-house claims team specializing in manufactured housing.

Product overview

Standard Casualty Company is a mobile and manufactured home insurance specialist offering a comprehensive single-product platform with multiple coverage types and optional add-ons. The core offering is Mobile Home Insurance which encompasses standard coverages (dwelling, personal property, liability, medical payments) and unique coverages often excluded by competitors (flood, earthquake). The product is offered through multiple channels: direct online quoting (Online Quote System), agent portals (WebQuoter), and a Customer Portal for account management. Optional add-ons include replacement cost coverage for personal effects and adjacent structures, food spoilage, and extended liability coverage up to $300,000. The company differentiates by specializing exclusively in manufactured housing since 1961.

Differentiator

Problem solved

Functional benefit

Products and services

• Mobile Home Insurance Comprehensive multi-peril insurance policy for mobile, manufactured, modular, and factory-built homes, bundling dwelling, personal property, personal liability, medical payments, and additional living expenses coverage with up to $300,000 in physical damage and $300,000 in personal liability limits. Optional add-ons include flood, earthquake, replacement cost for personal effects and adjacent structures, food spoilage, and extended liability. Available to homeowners in 21 U.S. states.
• Online Quote System 24/7 self-service online quoting platform accessible at stdins.com that generates instant quote numbers for customers in Texas, Arizona, New Mexico, and Nevada, with no pressure to buy.
• Customer Portal 24/7 online account management portal at myaccount.stdins.com enabling existing policyholders to manage policies, view documents, file claims, and access account information.
• WebQuoter Agent Portal Agent-facing portal at webquoter.stdins.com that enables independent insurance agents to quote, bind, and service manufactured-home insurance policies, supported by integrations with comparative raters and agency management systems.

Quantifiable outcome

• 98% Customer Satisfaction Index on all claims filed
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Standard Insurance Agency, Inc.coreStrategic or Co-development PartnerStandard Insurance Agency, Inc. serves as the managing general agent for Standard Casualty Company in Texas, operating through Southern County Mutual. SCC re-insures all business written through this agency structure. This is a core operational partnership for the Texas market.
• Standard Direct Insurance AgencycoreStrategic or Co-development PartnerAffiliate company for direct insurance agency operations, part of the Standard Casualty Company corporate family of subsidiaries and associated companies.
• Independent Insurance Agents and AgenciescoreChannel Partner/ Reseller/ DistributorNetwork of independent insurance agents and agencies selling Standard Casualty Company manufactured home insurance products. Agents use comparative raters including AgencyMatrix/TurboRater, EZLynx, PLRater, Quomation, and QQ Solutions. Agent appointment process includes licensing verification and E&O requirements.
• Home DealersminorChannel Partner/ Reseller/ DistributorManufactured home dealers who partner with SCC to offer insurance products to their customers. SCC provides dealers with competitive products and specialty expertise in manufactured housing insurance.
• LienholdersminorChannel Partner/ Reseller/ DistributorFinancial institutions and mortgage companies holding liens on manufactured homes who partner with SCC for asset protection insurance. SCC offers broad comprehensive policies including flood and earthquake coverage to protect these investments.
• Cavco IndustriescoreStrategic or Co-development PartnerCavco Industries is the parent company of Standard Casualty Company. As one of the leading mobile home manufacturers in the world, Cavco provides SCC with deep manufactured housing industry expertise. Many SCC claims adjusters have backgrounds in the mobile home and manufactured housing industry. Customers' homes may have been built by Cavco subsidiaries including Cavco Homes, Fairmont Homes, Palm Harbor Homes, Nationwide Homes, Chariot Eagle Homes, or Fleetwood Homes.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• GEICO (Berkshire Hathaway): GEICO underwrites mobile home insurance as part of its broader personal-lines portfolio, primarily through direct-to-consumer channels. While not a specialist, its brand recognition and pricing power put competitive pressure on SCC in non-catastrophe markets.
• Progressive Insurance: Progressive is a top-5 US P&C carrier with a growing manufactured home book (boosted by the ASI acquisition). Competes with SCC through direct-to-consumer digital channels as well as agent distribution. Significant technology and capital advantages.
• Allstate (including National General): Allstate acquired National General in 2021, gaining significant manufactured housing exposure. As a broad-line incumbent with deep marketing budgets and modern technology, it competes for the same manufactured home customer via both captive and independent agent channels.
• Nationwide Mobile Home Insurance: Nationwide is a large diversified P&C carrier that offers a dedicated mobile/manufactured home insurance product line. Comparable product offering but delivered as part of a broad multi-line carrier portfolio rather than as a pure-play specialist.

Direct peers

• Foremost Insurance Group: Foremost is the most direct peer — also a long-standing specialty insurer focused on mobile/manufactured home insurance, as well as specialty vehicles and dwelling fire. Owned by Zurich Insurance Group. Competes head-to-head with SCC for the same agent-distributed manufactured housing book.
• American Modern Insurance Group: American Modern is a specialty personal-lines carrier (Munich Re subsidiary) that includes manufactured and mobile home insurance as a core product line. Targets similar manufactured home dealer and agent channels and offers comparable specialty coverages such as replacement-cost and flood.
• Assurant (AssurantConnect / Assurant Solutions): Assurant has historically been a major manufactured housing insurance provider through its Assurant Solutions / AssurantConnect unit. Strong overlap with SCC in dealer financing, lender-placed, and specialty manufactured home coverage. Public company with significantly broader specialty product portfolio.
• American Strategic Insurance (ASI) / Progressive Insurance: ASI (acquired by Progressive in 2022) was a major writer of manufactured and mobile home insurance through independent agents — a direct competitor to SCC in the agent channel. Now part of Progressive, it benefits from a much larger balance sheet and technology platform.

Others

• Southern County Mutual Insurance Company: Texas-domiciled mutual that fronts SCC's Texas business through Standard Insurance Agency, Inc. Closely intertwined infrastructure partner rather than competitor, but useful comparand for understanding SCC's Texas regulatory footprint and reinsurance economics.
• Cavco Industries (Parent): Parent company and one of the largest US manufactured home manufacturers. Not a competitor but the most strategically connected peer — SCC leverages Cavco's factory expertise and dealer relationships, and the parent captures the home sale that drives insurance demand.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/200968

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Standard Casualty Company