American Modern introduced updates to its manufactured home program in North Carolina, with changes set to take effect September 1, 2026, for both new and renewal business.

The filing reflects a series of rating adjustments across key variables. The company is adding a rental occupancy factor, updating park status factors, revising territory relativities, and modifying insurance score factors for certain owner and seasonal risks.

The program already covers a meaningful book in the state, with roughly 12,500 exposures and about $16.5 million in written premium. Under the proposed changes, nearly 70% of exposures remain impacted by deviation components, with an estimated annual premium reduction of about $5.5 million.

Overall, the changes point to ongoing refinement of segmentation, with a particular focus on occupancy mix and credit-based pricing, while keeping premiums below bureau levels.