Coverage Types We Offer
A complete insurance program for mobile home parks, manufactured housing communities, and RV parks — structured around the risks that actually affect your business.
Commercial Property Insurance
Protect the buildings, infrastructure, and common area improvements that make your community run — from clubhouses to underground utilities.
- ✓Replacement cost coverage on all covered structures
- ✓Common area buildings: clubhouse, laundry, office, maintenance
- ✓Underground utility infrastructure coverage
- ✓Park-owned home (POH) scheduling
General Liability Insurance
Coverage for bodily injury and property damage claims from tenants, guests, and third parties arising from your park operations.
- ✓Bodily injury and property damage liability
- ✓Slip and fall in common areas
- ✓Pool and recreational facility liability
- ✓Utility failure-related tenant property damage
Loss of Rents Coverage
Replace lost lot rent income when a covered property loss prevents normal operations or renders lots uninhabitable.
- ✓Lot rent replacement during covered restoration periods
- ✓Coverage for required rent abatements under state law
- ✓Extended restoration period options up to 24 months
- ✓Coverage for multi-lot simultaneous loss events
Flood Insurance
Specialized flood coverage for mobile home parks and manufactured housing communities, including NFIP and private flood options.
- ✓NFIP coverage placement and administration
- ✓Private flood insurance with higher limits
- ✓Coverage for community buildings and infrastructure
- ✓Business income/loss of rents from flood events
Umbrella Liability Coverage
Additional layers of liability protection above your primary GL limits — essential for larger communities and higher-risk amenities.
- ✓Additional limits above primary GL ($1M-$10M options)
- ✓Follow-form coverage consistent with underlying GL
- ✓Coverage for catastrophic injury and death claims
- ✓Protection over primary auto liability
Workers Compensation
Required coverage for park employees — maintenance technicians, groundskeepers, office staff — covering workplace injuries and illnesses.
- ✓Medical expense coverage for workplace injuries
- ✓Lost wage replacement for injured employees
- ✓Vocational rehabilitation coverage
- ✓Employer's liability protection
Ready to Build Your Coverage Program?
Get a competitive quote in 15 minutes. Call Josh Cotner at Contractors Choice Agency.