Mobile Home Park Insurance

Specialty Business Insurance Solutions
For Mobile Home Park Owners
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Owning a mobile home park comes with great risk. Make sure your park has coverage beyond what standard insurance can offer.

With a tailored approach designed to safeguard your property, infrastructure, and financial well-being, we offer you peace of mind in an unpredictable world. From coverage against natural disasters to liability protection for accidents on your premises, our insurance solutions ensure you’re shielded from the unexpected. Don’t leave the fate of your mobile home park to chance – let our insurance solutions be the safety net that empowers your business for the long term.

Could Your Mobile Home Park Benefit from Better Insurance Coverage?

Having better insurance coverage for your mobile home park brings several important benefits.

First, it offers financial protection for damage to park-owned properties, including mobile homes, structures, and common areas. This coverage helps you recover from potential losses and maintain the value and functionality of your park.

Second, it provides liability protection for accidents or incidents that occur within the park, ensuring the well-being of residents and protecting your assets.

XINSURANCE can provide these insurance coverage options and more for your mobile home park, filling the gaps left by traditional insurance carriers and offering personalized solutions that meet your unique needs.

Who We Can Help With Mobile Home Park Insurance

  • Mobile home park owners
  • Mobile home parks with RV spaces
  • Manufactured home communities
  • And more
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Coverage Options for Mobile Home Park Owners

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Property Coverage

Covers the mobile home park and the contents within it from fires, storm or wind damage, vandalism, theft, and more. Individual homeowners within the park may need their own insurance policy which XINSURANCE can also provide solutions for. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

TRU Umbrella

Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place at the mobile home park. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.

Commercial Auto*

Provides auto liability coverage for your park-owned vehicle or personally-owned vehicle that is primarily used for business/operational purposes. Learn more.

* Available in most states

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Equipment Coverage

Coverage for equipment, including rentals, used on the mobile home park in case of malfunctions or theft.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the park area or its equipment) for private and public events. Learn more.

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FAQ About Mobile Home Park Insurance

My Insurance Carrier Canceled My Policy. Can You Still Help Me?

Yes, XINSURANCE can help businesses and individuals even if they’ve been declined, canceled, or non-renewed by an insurance carrier. We step in to provide insurance solutions when others can’t or won’t.

Do You Cover Mobile Home Parks in High-Risk Areas?

Yes, we can provide specialty insurance solutions for mobile home parks anywhere in the United States. We’ll craft coverage solutions for properties at high risk of natural perils such as floods, earthquakes, mudslides, wildfires, hurricanes, and more.

We understand that some areas, such as Florida or California, are in chaos over the property insurance market. Our specialty is stepping up and providing a solution even when no one else is willing to take on the risk.

What Insurance Coverage Should I Have For My Mobile Home Park?

The type of insurance coverage needed for mobile home parks will depend on a few factors. Are you in an area prone to natural disasters? Does your park allow RVs? What features or attractions does your mobile home park have?

Depending on your circumstances, XINSURANCE will provide insurance solutions for you and your mobile home park that are tailored to your unique needs.

What Do I Need Coverage For At My Mobile Home Park?

As a mobile home park owner or manager, you’re faced with many responsibilities. You may also subject to liability for all types of circumstances, from sewer backups to slips and other unexpected events. Generally speaking, you may be responsible for incidents that have to do with:

  • Common areas
  • Pools
  • Playgrounds
  • Operations and maintenance
  • Utility management
  • And more

If your property is damaged or liabilities arise, having mobile home park insurance can help cover the associated costs. With the right policy in place, you can prevent financially devastating situations and protect your community.

Why Should I Have Specialty Insurance for a Mobile Home Park?

You need specialty insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having Mobile Home Park Insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or having to sell or give up the property. In some places, specialty insurance for mobile home parks may be required.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service