Our comprehensive Mobile Home Park product is designed to protect mobile home park owners for general liability and certain property exposures. We write mobile home sites and have no limitation on the percentage of owned mobile homes rented to others. In addition, we can consider accounts with community exposures, such as laundry facilities, clubhouses, playgrounds, pools and sports courts.
Eligible Risks
- Up to 500 pads per location
- Accounts with common facilities, such as playgrounds, pools and sports courts
- Parks with owned units rented to others
Product Advantages
- Rating based on number of pads
- Low minimum premiums
- Hired and non-owned auto coverage in most states
- Liability limits up to $2 million/$4 million
- Property coverage for park-owned facilities, such as laundry facilities and clubhouses
- Excess liability limits available up to $5 million; coverage can be written over a primary carrier with an A.M. Best rating of B++ or better
Ineligible Risks
- Pads for RVs (other than incidental exposure)
- Parks with campgrounds or golf courses
- Poorly maintained parks (not skirted, no handrails)
- Occupancy rate below 60%
For more information about our Mobile Home Park product, please contact your Commercial Lines underwriter or send your submissions to [email protected].
