Mobile home park insurance

For park owners and operators — whether you run an eight-pad mom-and-pop park or a 500-space community with a clubhouse, pool, and marina. Your policy needs to cover the land you own, the common buildings, the amenities, and the liability exposures that come with renting lots.

What park owners typically carry

• Commercial general liability — slips, falls, dog bites, and other injuries on common areas.
• Property — the office, clubhouse, laundry, pool house, signs, fencing, infrastructure.
• Business income / loss of rents — covers lost lot rent if a covered loss shuts the park down.
• Umbrella — extra liability limits sitting on top of the primary policy.
• Equipment breakdown — water/sewer pumps, HVAC, pool equipment, electrical.
• Pollution liability — septic systems, fuel tanks, on-site spills.
• Amenity coverage — pools, spas, lakes, marinas, docks, and beaches all add their own loss exposures and underwriting questions.

What we ask — and why

How many manufactured-home pads you have drives the base premium. RV spaces are underwritten separately (different turnover risk, different loss patterns). Each amenity you list — pool, lake, dock, etc. — adds a dedicated rating factor. Tell us once on the form and we’ll route to carriers that write parks in your state with your amenity mix.

Renting out manufactured homes yourself (rather than just leasing the land)? You need landlord coverage too — start here.