Insuring Mobile Home Parks

Mobile Home Parks can be insured on a special package policy called a Special Multi-Peril policy, which includes property and liability coverage

Primary activity is a mobile home park with 5 or more units

No campgrounds, seasonal or transient occupancy, no short-term rentals

Roadways must be well maintained with no potholes

All units owned or on rented sites must be fully skirted

Grounds must be well maintained – no junk vehicles or debris

Overhead wiring must be a minimum of 13 feet above the ground

Insured property must be in good repair with good stair railings and lighted public areas

Service appliances such as electric meters must be set well back from the roadway

Speed limits must be posted

Any recreational or store operations must be approved in advance by the company

There are separate property rates for park-owned mobile homes, office and utility buildings

There are separate liability rates for park-owned homes and sites rented to others

Insuring Mobile Home Parks

Mobile Home Parks can be insured on a special package policy called a Special Multi-Peril policy, which includes property and liability coverage

Primary activity is a mobile home park with 5 or more units
No campgrounds, seasonal or transient occupancy, no short-term rentals
Roadways must be well maintained with no potholes
All units owned or on rented sites must be fully skirted
Grounds must be well maintained – no junk vehicles or debris
Overhead wiring must be a minimum of 13 feet above the ground
Insured property must be in good repair with good stair railings and lighted public areas
Service appliances such as electric meters must be set well back from the roadway
Speed limits must be posted
Any recreational or store operations must be approved in advance by the company
There are separate property rates for park-owned mobile homes, office and utility buildings
There are separate liability rates for park-owned homes and sites rented to others