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TAG | mobile home park insurance

Mobile Home Park Insurance 4.33/5 (86.67%) 3 votes

Owners of mobile home parks lease land to mobile home owners so that they can hook up their home and have somewhere to stay.  Like many other owners of property with tenants, they need insurance to protect them from any property damage or financial liability.

Mobile home park insurance gives property owners an essential level of protection.  Mobile home park insurance includes both property and liability protection from many different perils and situations.

Coverage Features:

  • No liability deductible
  • Assault or Battery coverage is provided at full limits for most accounts
  • Blanket Additional Insured coverage provided for no additional charge
  • No Animal Exclusion used unless prior animal loss history
  • Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
  • Full coverage provided for Mobile Home Parks with swimming pools, playgrounds or sport courts
  • Hostile Fire Exception to Pollution Exclusion

Liability Features:

  • Comprehensive coverage via an ISO Commercial General Liability coverage form
  • Liability limits available up to $1,000,000/$2,000,000
  • Additional limits up to $5,000,000 available through our Commercial Umbrella and Excess General Liability products
  • No Liability deductible
  • Blanket Additional Insured coverage provided for no additional charge
  • Coverage for owned units leased to tenants
  • Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress
  • Pollution Exclusion to include Hostile Fire exception

Credits available when:

  • No owned mobile homes rented to tenants
  • No dogs permitted on premises and stipulated within lease agreement
  • Community property owner or manager lives on premises
  • Criminal background checks performed on all potential residents
  • No swimming pool or playground on premises

Property Features:

  • Value Plus-property enhancement endorsement providing 15 optional coverages
  • Equipment Breakdown – Includes free boiler inspection if required in your jurisdiction
  • Special cause of loss and replacement cost coverage is available
  • Older buildings are acceptable with a Functional Building Valuation Endorsement
  • Property Limits up to $1,500,000 available
  • All permanent structures (non-mobile home) can be schedule to policy

Why do you need to purchase a mobile home park product?

  • A tenant’s dog bites a neighboring tenant causing bodily injury
  • Injured claimant alleges park rules and guidelines regarding dogs were not enforced or regulated
  • A guest to the premises falls and sustains a fractured hip

Mobile home park insurance is an essential form of protection that is important to preserve the property owner’s business.

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