Mobile Home Park Insurance

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Mobile Home Park Insurance

When the unexpected occurs, you need reliable protection. At XINSURANCE, we offer liability insurance options designed for mobile home park owners. You’ll get tailor-made solutions and peace of mind from knowing your park is covered.

We can provide customized insurance solutions allowing you to package multiple coverages under one policy. Mobile home park insurance is available in all 50 states for those who have been denied, canceled, or non-renewed by another insurance company, even if you have a claims history.

mobile home park insurance
mobile home park insurance

Information About Mobile Home Park Insurance

Types of Mobile Home Parks We Can Help

At XINSURANCE, we provide comprehensive mobile home community insurance solutions to meet your park’s specific needs. We can customize your coverage to various types of mobile home parks, including:

  • Mobile home parks.
  • Mobile home parks with RV spaces.
  • Manufactured home communities.

You can purchase numerous types of coverage for your mobile home community. Choose property coverage to protect your park’s buildings, streets and underground and above-ground utilities. You can also purchase general liability insurance to protect your park from claims of bodily injury, property damage, and advertising injury.

Why You Might Need Mobile Home Park Insurance

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

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

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

Available Coverages

We have an all-in-one approach for mobile home park insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

  • Active shooter liability coverage: Liability protection in the event of an active shooting taking place on mobile home park property.
  • 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.
  • Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
  • Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
  • Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
  • Firearms liability (available in most states): Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use.
  • Individual / Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
  • Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
  • Professional liability: Coverage for claims regarding negligent acts and more.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • Special events liability: Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.
  • True umbrella / Excess liability: Additional coverage to fill the gaps and exclusions in your existing policy.
  • And more: We provide customized coverage solutions so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

The Benefits of XINSURANCE

When you work with XINSURANCE, you can purchase comprehensive mobile home park insurance that’s hard to find elsewhere. You’ll benefit from our:

All-in-one approach

We take an all-in-one approach to ensure all your exposures are covered under one policy. You’ll get broader coverage, with $10 million limits and higher limits available.

Custom coverage

You’ll gain access to the most customized coverage available, giving you peace of mind knowing that your park is protected.

Comprehensive service

You’ll get direct access to our claims management, underwriting, and risk management services, so you can rest assured you’ll get the help you need when an incident or claim arises.

Reliable communication

We respond to you promptly throughout the entire process, from providing quick quotes to answering any questions you may have.

Exclusions coverage

We help you find a policy that covers exclusions and fills in the gaps of your current coverage.

Available nationwide

We have mobile home park insurance options available in all 50 states.

Our customers receive true peace of mind when they select from our customizable insurance policies. We can help you cover the gaps and protect yourself and others with well-rounded policies.

Get a Quote on Liability Insurance for Your Mobile Home Community

With help from XINSURANCE, you’ll get premium insurance coverage for your mobile home park. We’re here to help you with all your needs, and no risk is too big or small.

Reach out to us today to get a free, personalized insurance quote for your mobile home community.

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