Mobile Home Park Insurance That Protects Your Investment
Contractors Choice Agency specializes in commercial insurance for mobile home parks, manufactured housing communities, and RV parks. 20+ years of niche expertise, licensed in all 50 states, with 15-minute quote turnaround.
15-Minute Quotes
Fast. No obligation.
Who We Cover
From small family-owned parks to large professionally managed communities, we have the carrier relationships and niche expertise to place your coverage correctly.
Mobile Home Parks
Traditional MHP communities with tenant-owned homes on leased lots. Full property, liability, and infrastructure coverage.
Manufactured Home Communities
Modern MHCs with site-built-quality homes. Comprehensive programs for professional operators.
RV Parks & Resorts
Transient and seasonal RV communities. Specialized GL, hookup liability, and guest coverage.
Mixed-Use Communities
Parks with both manufactured homes and RV sites. Blended coverage solutions for complex operations.
Senior Living MHCs
Age-restricted 55+ manufactured housing communities with ADA and accessibility compliance.
Retirement RV Resorts
Destination and long-term RV retirement communities requiring full-season liability and property programs.
Coverage Types We Offer
A complete commercial insurance program for your mobile home park or manufactured housing community.
Commercial Property Insurance
Protect the buildings, infrastructure, and common area improvements that make your community run — from clubhouses to underground utilities.
General Liability Insurance
Coverage for bodily injury and property damage claims from tenants, guests, and third parties arising from your park operations.
Loss of Rents Coverage
Replace lost lot rent income when a covered property loss prevents normal operations or renders lots uninhabitable.
Flood Insurance
Specialized flood coverage for mobile home parks and manufactured housing communities, including NFIP and private flood options.
Umbrella Liability Coverage
Additional layers of liability protection above your primary GL limits — essential for larger communities and higher-risk amenities.
Workers Compensation
Required coverage for park employees — maintenance technicians, groundskeepers, office staff — covering workplace injuries and illnesses.
Why Choose Contractors Choice Agency
Most insurance agents treat mobile home parks like standard commercial property. We know better. Twenty years of specialization means we understand the specific risks, the right carriers, and the coverage structure that actually protects your investment.
Specialty Niche Focus
We focus exclusively on contractor and specialty property niches, including mobile home parks and manufactured housing communities. This is not a sideline for us.
Former Contractor Perspective
Founder Josh Cotner is a former contractor who understands property operations from the inside. He knows what risks actually matter to property operators.
20+ Years of Expertise
Two decades of placing specialty insurance means deep carrier relationships, favorable terms, and a track record of standing by clients at claims time.
15-Minute Quotes
We don't waste your time. Provide basic information about your community and we can have a competitive quote in your hands within 15 minutes.
Getting Covered Is Simple
Three steps to a comprehensive insurance program for your mobile home park or manufactured housing community.
Tell Us About Your Community
Complete our short quote form or call 844-967-5247. We will ask about your community type, number of lots, amenities, and location. No long questionnaire — just the basics.
We Shop Your Coverage
We compare rates and terms across multiple carriers who specialize in mobile home parks and manufactured housing communities. You get the best combination of coverage and price.
Get Your Policy
Review your quote, ask questions, and bind coverage when you are ready. We handle the paperwork and provide ongoing service throughout the policy year.
What Park Owners Say
Mobile home park operators from across the country trust Contractors Choice Agency.
“After our water main burst and flooded three lots, I was glad we had the right coverage. The claims process was smooth and we were back to full rent roll within four months. Josh made sure our policy actually covered underground infrastructure — most agents miss that.”
“We were paying too much with our previous broker and had gaps in our coverage we didn't know about. Josh reviewed our program, restructured our GL limits, and added loss of rents coverage we were missing. We're better covered and paying less annually.”
“Running an RV park with a pool is a significant liability exposure. Josh understood that from the first conversation and recommended appropriate umbrella limits. When we had a minor pool incident last season, we were very glad we had the coverage structure he recommended.”
Frequently Asked Questions
Common questions from mobile home park and manufactured housing community owners.
What does mobile home park insurance cover?
A comprehensive mobile home park insurance program covers commercial property (common area buildings, utility infrastructure, park-owned homes), general liability (bodily injury and property damage claims from tenants and guests), loss of rents (lot rent income during covered losses), and optional coverages like flood, umbrella liability, and workers compensation.
Do I need insurance for the homes in my park?
In most cases, tenant-owned homes are the tenants' responsibility to insure through their own manufactured home insurance policies. However, any park-owned homes (rental units or inventory) must be covered under your commercial property policy. Your insurance program should also cover all shared infrastructure and common area buildings regardless of home ownership.
How much does mobile home park insurance cost?
Premiums vary based on the total insurable value of your property, number of lots, amenities (particularly swimming pools), location, flood zone, and loss history. Small parks may pay $5,000-$15,000 per year; larger communities with pools and amenities may pay $30,000 or more. The best way to know your cost is to request a quote — we can typically provide one within 15 minutes.
Is flood insurance included in my commercial property policy?
No. Standard commercial property policies universally exclude flood damage. If your community is in a flood-prone area, you need separate flood insurance — either through the federal National Flood Insurance Program (NFIP) or through private flood carriers. We help you evaluate both options.
What happens if a tenant is injured in a common area?
Tenant injury claims in common areas (parking lots, walkways, pools, playgrounds, laundry rooms) are covered under your general liability policy, subject to your policy's terms, conditions, and limits. We structure your GL coverage to specifically address the common liability scenarios in mobile home park operations.
Protect Your Mobile Home Park Community Today
Do not leave your community exposed with generic commercial property coverage. Get a specialist MHP insurance program built around your actual risks, with competitive rates and 20+ years of niche expertise behind every policy.
Licensed Agent Josh Cotner | NPN: 8608479 | All 50 States | 15-Minute Quotes