Place your clients' mobile home parks, RV parks, and campgrounds with confidence through Cochrane & Company’s Mobile Home Park Insurance program. Built specifically for permanent manufactured housing communities, seasonal or tourist RV parks, and campgrounds, this program offers comprehensive property and liability solutions on a monoline or package basis. Whether your client operates a year-round manufactured home community in Montana or a summer RV campground in Oregon, Cochrane & Company can help you access the right markets and structure coverage to address common park exposures — premises and amenity liability, loss of rental income, vandalism and theft, equipment breakdown, and employee crime.
Ideal Accounts and Appetite
This program is an excellent fit for:
- Permanent mobile home parks and manufactured housing communities
- Seasonal or tourist RV parks and campgrounds
- Owner-operated park models and investor-owned communities
- Multi-location park operators located in the western U.S.
We prefer well-maintained properties with documented safety and risk-management practices. Amenities such as pools, playgrounds, laundry facilities, and on-site offices are acceptable when routine maintenance, signage, and safety protocols are in place. New ventures can be considered when ownership brings relevant management experience.
Coverage Highlights and Advantages
Property Coverage:
- Buildings and Business Personal Property
- Business Income (rental/rent loss) coverage
- Basic, Broad, or Special Form options
- Replacement Cost or Actual Cash Value valuations
- Equipment Breakdown and Food Spoilage
- Inland Marine and coverage for computer equipment & outside signs
- Accounts Receivable & Valuable Papers
Commercial General Liability:
- Limits available up to $3,000,000 occurrence/aggregate
- $5,000 Medical Payments included
- Blanket Additional Insured endorsements included where required
- Liquor Liability available for parks with alcohol sales or events
- Hired & Non-Owned Auto coverage options
- Excess/Umbrella capacity up to $25,000,000
- No deductible required on certain liability placements
Crime Coverage:
- Theft of Money & Securities – Inside Premises
- Robbery or Safe Burglary of Other Property
- Theft Outside the Premises
Underwriting Notes and Minimum Premiums
Underwriting is handled on a case-by-case basis to match coverage to the risk profile. Typical submission documents include a completed application, property details (unit/site counts, year built, occupancy mix, and descriptions of on-site amenities), and loss history or loss runs when available. Risks with significant deferred maintenance, uncontrolled nuisance exposures, or high-frequency losses may not fit the program. Minimum premiums vary by state, carrier selection, and account characteristics; our underwriting team will quote specific minimums after reviewing the submission.
Territories and Availability
This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. All coverages are placed on a non-admitted basis, giving you access to specialized carriers and broader appetite across the western U.S.
Why Work With Cochrane & Company?
Cochrane & Company is a managing general agency with deep experience in niche property and casualty programs. We combine targeted underwriting expertise with access to multiple surplus and specialty markets, helping agents place complex or non-standard park risks more efficiently. Our underwriters are responsive and pragmatic — they evaluate risk controls and management practices to produce competitive, tailored terms rather than relying solely on standard forms.
If you need to place mobile home park, RV park, or campground business, partner with Cochrane & Company to tap specialty markets and practical underwriting. Contact our team to discuss submissions and market options.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program suits permanent mobile home parks, seasonal RV parks, and campgrounds in the western U.S. Both individually owned and investor-managed properties are eligible when they demonstrate routine maintenance and safety procedures.
Is this program available in all states?
No. Coverage is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Does the program offer package and monoline options?
Yes. Coverages can be written on a monoline basis or combined into a package policy depending on the insured’s needs and the carrier chosen.
Are amenities like pools or playgrounds covered?
Yes. Pools, playgrounds, and similar amenities are acceptable when they are properly maintained, have appropriate signage and supervision, and are reflected in the submission details.
What documentation is required for submission?
Provide a completed application, detailed property information (number of sites/units, year built, occupancy, amenities), and loss history or loss runs when available. Underwriting may request additional documentation as needed.
Need help placing an account? Connect with a market specialist.