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Mobile Home Park Insurance is specialized commercial coverage built for property owners who manage manufactured housing communities. Unlike standard landlord policies, mobile home park insurance addresses the unique liability exposures of managing multiple tenants, common areas, and park-owned structures.
Most park owners focus on occupancy rates, assuming basic property coverage is sufficient. The reality? Managing a community of residents creates significant premises liability exposure. A slip-and-fall at the community pool, an assault in the parking lot, or a tree falling on a resident’s car can generate claims exceeding $100,000. Add the risk of losing rental income when park-owned units become uninhabitable, and the financial stakes become clear. Proper “General Liability,” “Property Coverage,” and “Loss of Rental Income” aren’t optional—they’re essential for protecting your investment. Individual mobile home owners: your park’s policy does NOT cover your personal home or belongings—you need your own mobile home insurance. Have RVs in your park? See our RV insurance for recreational vehicle coverage.
A “one-size-fits-all” policy doesn’t work because a land-lease community faces different risks than a park-owned rental operation or an age-restricted community. We match your specific park model and risk profile with the carrier that protects it best.Select your park type below to instantly start a custom quote built for your operation.
Lot rental operations focus primarily on common area liability and infrastructure protection.
Common Examples
Family mobile home parks, Manufactured housing communities, Legacy trailer parks
Owning the homes as well as the land creates additional property exposure and landlord liability.
Common Examples
Corporate housing parks, Seasonal worker communities, Rent-to-own parks
Age-restricted and amenity-rich communities face unique liability from enhanced common areas.
Common Examples
Retirement communities, Snowbird parks, Golf course communities, Resort parks
| Feature | Basic Park Policy | The "Dream" Protection Plan |
|---|---|---|
| Liability Limits | ✖ Low ($500k) | ✔ High ($1M/$2M+) |
| Equipment Breakdown | ✖ Not Included | ✔ Included (Utilities, HVAC, pumps) |
| Ordinance/Law Coverage | ✖ Not Covered | ✔ Code Upgrade Coverage |
| D&O for Park Associations | ✖ Excluded | ✔ Full D&O Protection |
Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.
If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.
Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.
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Experience the confidence shared by the park owners we protect, and let us turn these options into a clear, comprehensive protection plan for your mobile home park.
We’re here to help you explore your coverage options tailored to your needs.
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