Commercial Property Insurance

Commercial property insurance for mobile home parks and manufactured housing communities covers the physical assets that you own: common area buildings, utility infrastructure, recreational facilities, maintenance facilities, and any park-owned homes. Unlike residential homeowners insurance, commercial property coverage is designed around the scale and complexity of income-producing properties.

The right commercial property policy will cover your insurable assets at replacement cost — meaning what it actually costs to rebuild or replace, not the depreciated value. This distinction is critical for older communities where infrastructure replacement costs far exceed depreciated value. Contractors Choice Agency works with carriers that understand MHC property values and can structure coverage that won't leave you underinsured when you need it most.

We also ensure your policy explicitly covers underground utilities — water mains, sewer lines, electrical conduit, and gas distribution — which standard commercial policies frequently exclude. For most manufactured housing communities, underground infrastructure represents the single largest insurable asset and the most common source of significant uninsured losses.