Mobile and Manufactured Home Community Insurance

What park owner coverage typically insures

A manufactured home community owner typically holds title to the land, roads, community buildings such as a clubhouse or office, and shared utility infrastructure including water, sewer, and electrical distribution systems within the park. This policy responds to covered perils, such as fire or windstorm, damaging those owner-held assets, and to liability claims from residents or guests injured in common areas or on shared amenities.

Business income coverage is often included so a park owner can recoup lost lot rental income if a covered event damages infrastructure and makes lots temporarily unusable, subject to a waiting period and stated limits.

What remains the resident's own responsibility

The manufactured home unit itself, along with the resident's personal belongings inside it, is typically insured under a separate manufactured home policy the resident carries individually, similar to how a homeowner insures a site-built house. Community insurance generally does not extend to a resident's individual unit unless the community itself owns and leases out the home as part of a rent-to-own or company-owned unit program, in which case that specific unit may need to be scheduled separately.

Park owners should clearly communicate this distinction to residents at move-in, since confusion over which policy covers what is a frequent source of dispute after a loss.

What is typically excluded

Most policies exclude damage to resident-owned homes, flood and earthquake unless separately placed, and gradual deterioration of aging infrastructure from deferred maintenance. Liability tied to a resident's individual home, such as an appliance fire originating inside the unit, generally falls to the resident's own coverage rather than the park's policy.

Community pools, playgrounds, and other recreational amenities often carry specific underwriting scrutiny and may require documented maintenance and inspection records to avoid a coverage dispute after an injury claim.

What drives cost and how parks structure coverage

Pricing reflects the number of lots, the age and condition of shared infrastructure, regional catastrophe exposure, the presence of company-owned rental units within the community, and the park's amenity offerings. Owners of larger multi-park portfolios typically benefit from a consolidated program applying consistent limits and deductibles across every community.