Mobile Home Park Insurance

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.

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.

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.