Insurance Services

Loss of Rents Coverage Services

Ensure your lot rent income is protected during covered losses with properly structured business income coverage.

Service Overview

Loss of rents coverage is frequently undervalued and improperly structured for mobile home park operators. Our team works to ensure your business income coverage reflects your actual rental income, covers the realistic restoration timelines for your market, and coordinates properly with your property policy to eliminate gaps.

We review your current rental income documentation, calculate appropriate coverage limits, and select restoration period options that account for your local permitting environment and contractor market. We also review whether your policy includes extra expense coverage — funds for expedited repairs that reduce the total restoration period.

At claims time, loss of rents claims require careful documentation of pre-loss rental income, affected lot inventory, and repair timeline milestones. Our team assists with this documentation and works with property adjusters to ensure loss of rents claims are processed in tandem with property damage claims.

What We Do For You

Rental income analysis and limit calculation
Restoration period adequacy review
Extra expense coverage placement
Multi-lot loss scenario planning
State rent abatement law review
Claims documentation assistance
Coordination with property and infrastructure claims
Annual income-based limit updates

Who This Service Is For

Mobile home park and manufactured housing community operators whose operating income depends on consistent lot rent collections and who need protection against income disruption from covered property losses.

Ready to Get Started?

Contact Contractors Choice Agency to put our loss of rents coverage services to work for your community.