Mobile Home Parks Insurance

Ideal Accounts and Appetite

Our program is built for:

• Mobile home park communities of all sizes
• Communities with owned rental units
• Parks that include unscheduled buildings or business personal property
• Operations in coastal regions, including Florida, with CAT property exposures
• RV parks and mixed-use communities (optional coverage available)

Typical client scenarios you can place with this program:

• You have a client who owns a small park with several long-term tenants and generates rental income from non-owned homes. The program’s business income wording can respond to loss of income following direct damage to those dwellings.
• You represent a coastal multi-location portfolio that needs admitted paper where available and surplus lines for high-CAT exposures; OnPoint’s Lloyd’s (Ascot) coverholder authority helps with coastal property placement.

Coverage Highlights and Advantages

Key features of the Mobile Home Parks Insurance Program include:

• Property and General Liability – Core protection with per-site general liability rating tailored for community owners.
• Business Income – Covers loss of income from damage to non-owned homes on an actual loss sustained form, with an optional extended indemnity period.
• Unscheduled Buildings/BPP – Coverage up to $5,000 included for unscheduled structures and business personal property.
• Debris Removal – Included in the standard package.
• Optional Coverages – Add Auto, Umbrella, RV Parks, and additional CAT-exposed property coverages as needed.
• Liability Enhancements – Aggregate limits per location and automatic additional-insured wording to support common contractual requirements.

OnPoint maintains strong relationships with markets such as StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Our Coverholder status with Lloyd’s of London (Ascot) is a distinct advantage for agents placing coastal CAT risk.

Underwriting Notes and Minimum Premiums

Minimum premiums start at $500, making the program accessible to smaller single-location parks as well as larger multi-site operations. OnPoint has delegated underwriting authority across multiple markets, enabling flexible pricing and policy structure to match your client’s risk profile. Typical appetite includes well-managed parks, units used for rental income, and properties where the owner maintains community-level exposures.

Territories and Availability

This program is available nationwide, including all 50 states and the District of Columbia. Admitted paper is available in most states; surplus lines options are offered for high-exposure or complex risks that require non-admitted placement.

Why Work With OnPoint Underwriting?

OnPoint Underwriting combines deep, hands-on experience in the mobile home park niche with broad market access and responsive service. We are structured to help you place accounts efficiently—whether it’s a single park or a multi-state portfolio—and to secure admitted paper where possible or surplus lines when necessary. Our underwriting team understands the operational exposures of these communities and will work with you to tailor coverage and limits to fit contractual and lender requirements.

For additional information on our Mobile Home Parks Insurance, please contact Jackie Miller at [email protected] or (602) 494-6733, or visit our website at www.onpointunderwriting.com.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.