Insurance Services for MHP Operators
From initial placement to annual renewal and claims advocacy, Contractors Choice Agency provides comprehensive insurance services built around the unique needs of mobile home park and manufactured housing community operators.
Commercial Property Insurance Services
Full-service property insurance placement for mobile home parks — from appraisal to claim advocacy.
- ✓Replacement cost valuation review and appraisal coordination
- ✓Multi-carrier market comparison and negotiation
- ✓Underground utility coverage placement
- ✓Park-owned home scheduling and management
General Liability Insurance Services
Specialized GL placement for park operators with the right endorsements, limits, and carrier expertise.
- ✓MHC-specific GL coverage placement
- ✓Limit adequacy analysis based on community risk
- ✓Exclusion review and endorsement negotiation
- ✓Pool and recreational amenity coverage confirmation
Loss of Rents Coverage Services
Ensure your lot rent income is protected during covered losses with properly structured business income coverage.
- ✓Rental income analysis and limit calculation
- ✓Restoration period adequacy review
- ✓Extra expense coverage placement
- ✓Multi-lot loss scenario planning
Flood Insurance Services
Navigate NFIP requirements and private flood options to ensure your community has appropriate flood protection.
- ✓NFIP flood zone designation review
- ✓NFIP policy placement and administration
- ✓Private flood insurance comparison and placement
- ✓LOMA coordination for zone correction
Umbrella Liability Coverage Services
Structure your total liability program with appropriate umbrella limits above your primary coverage.
- ✓Total liability limit adequacy analysis
- ✓Primary and umbrella coordination review
- ✓Follow-form umbrella placement
- ✓Multi-layer umbrella program structuring
Workers Compensation Services
Proper workers comp placement for park staff — maintenance, grounds, and office — with accurate classification.
- ✓Employee classification audit and optimization
- ✓Multi-carrier rate comparison
- ✓Payroll audit preparation
- ✓Workplace safety program guidance
Start With a Free Consultation
Tell us about your community and we will identify the right coverage combination for your operation.