Overview of the Program From Leavitt Recreation and Hospitality
Our Mobile Home Park Insurance program is written on A-rated, non-admitted paper, allowing us to serve accounts that may fall outside the appetite of admitted markets. Through access to multiple carriers, we offer agents and brokers tailored solutions with competitive options for hard-to-insure risks. Direct billing is available for ease of administration and improved client experience.
Ideal Accounts and Appetite
This program is suitable for a wide range of mobile home community risks, including:
- Mobile home parks located in high-risk coastal, wind, or wildfire zones
- Older parks or those with mixed occupancy types
- Parks with previously declined or non-renewed coverage from standard carriers
You might have a client with a mobile home park in a Florida coastal county struggling to find coverage due to wind exposure — this program can help bridge that gap.
Coverage Highlights and Advantages
Our Mobile Home Park Insurance program can include:
- Property coverage for buildings, contents, and amenities
- General liability tailored to mobile home park operations
- Optional coverage enhancements depending on the risk profile
We focus on flexibility to provide customized solutions for non-standard risks, especially those where admitted carriers cannot offer terms.
Underwriting Notes and Minimum Premiums
There is no stated minimum premium, allowing us to accommodate a range of account sizes. Underwriting is handled by specialists who understand the nuances of mobile home parks, enabling faster turnaround and more accurate risk assessment. Submissions should include property details, prior loss history, and occupancy breakdown.
Territories and Availability
This program is available in all 50 states and Washington, D.C., including high-risk areas such as Florida, Texas, California, and coastal regions where other markets may be limited. We are particularly strong in states where non-admitted solutions are frequently required.
Why Work With Leavitt Recreation and Hospitality
As a general agency with deep experience in hospitality and recreational risks, Leavitt Recreation and Hospitality Insurance brings strong market access, underwriting expertise, and a commitment to service. Our focus on niche markets like mobile home communities means we understand the unique needs of your clients and can help you place difficult accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Mobile home parks in high-risk areas, older properties, or those with prior coverage challenges are ideal candidates.
Is this program available in coastal or wind-prone states like Florida?
Yes, we offer coverage in coastal and high wind hazard areas, including Florida, where admitted markets may not provide solutions.
What carriers are used for this program?
We work with multiple A-rated non-admitted carriers to provide flexible options based on the risk profile.
Is there a minimum premium for submission?
No specific minimum premium is required, making this program accessible to a variety of account sizes.
What information is needed to get a quote?
Submissions should include property details, occupancy information, and prior loss history to ensure accurate underwriting.
Need help placing an account? Connect with a market specialist.