MOBILE HOME PARK INSURANCE
Mobile Home Parks have become some of the most sought after investment properties available in the marketplace. While sought after, Mobile Home Parks are unique properties that are susceptible to exposures not found in other segments of commercial real estate. We here at California Southwestern Insurance Agency have specialized in providing insurance to Mobile Home Park Owners for over 40 years. We can develop a custom insurance package to meet the needs of almost any Community Owner. Whether you own a 10 space mobile home park in a rural area or a 300 space park in the city, we are here to assist you. To learn more about our Mobile Home Park Insurance Program, do not hesitate to call or email us. A quote can also be requested by submitting the form below.
COVERAGE WE CAN OFFER YOU
As mentioned above, Mobile Home Parks have unique exposures that are not found in most other industries. Due to the unique exposures that Manufactured Housing Communities face, there are several lines of coverage that should be considered for your insurance program. We can assist with all lines of coverage for mobile home parks and trailer parks. Below is a list of some of the coverages we can offer with a brief description on each.
COMMERCIAL PACKAGE INSURANCE
Commercial Package Insurance is the starting point for every Mobile Home Park Insurance Program. The basic Mobile Home Park Package Policy consists of two major coverage parts, Commercial Property and Commercial General Liability. In most cases that the commercial package policy can be endorsed to include additional coverages such as Garage Keeper's Legal Liability, Equipment Breakdown Coverage, Hired & Non Owned Auto Liability and more.
EXCESS LIABILITY COVERAGE
Another important coverage for a complete Manufactured Home Community Insurance Program is Excess Liability Coverage. The market value of a Manufactured Home Community alone is enough to justify the purchase of additional liability limits for your park. Excess Liability coverage can be purchased in increments of $1 Million Dollars up to more than $20 Million Dollars.
WORKER'S COMPENSATION COVERAGE
Whether your Trailer Park has 1 part time employee or a full staff of landscapers and park managers, you need to have workers compensation coverage. Workers compensation coverage is required by law in almost every state. We work with several of the most competitively priced worker's compensation insurance carriers for Mobile Home Parks and can assist you with securing the coverage you need.
MANY ADDITIONAL COVERAGES
We do not only offer Commercial Package, Excess Liability, and Worker's Compensation Coverage. We offer many more coverages that can enhance your overall insurance package. Some of these coverage include:
Employment Practices Liability
Difference In Conditions (Earthquake & Flood)
and Much More