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Leavitt Recreation and Hospitality Insurance offers a specialized solution for the unique challenges of insuring mobile home communities. The Mobile Home Park Insurance - Non admitted program provides flexible coverage options for parks that are difficult to place, including those in PC10 and high wind hazard zones such as coastal areas and Florida. Overview of the Program From Leavitt Recreation and Hospitality Our Mobile Home Park Insurance program is placed on A-rated, non-admitted paper to serve accounts that may fall outside the appetite of admitted markets. Through relationships with multiple carriers, we deliver tailored options and competitive terms for hard-to-insure risks. Direct billing is available to simplify administration and improve the client experience. Ideal Accounts and Appetite This program is designed for a broad range of mobile home community risks, including: Mobile home parks in high coastal or wind zones, wildfire areas, and other elevated hazard locations Older parks, properties with mixed occupancy, or communities with infrastructure exposures Parks previously declined, non-renewed, or facing limited options in standard markets You might have a client in a Florida coastal county with elevated wind exposure or a long-standing park with several mixed-use structures — this program can help bridge placement gaps when admitted carriers won’t provide terms. Coverage Highlights and Advantages Available coverages and program strengths include: Property coverage for park structures, tenant-owned unit structures where applicable, contents, and amenities General liability tailored to mobile home park operations and common area exposures Optional enhancements that can be considered based on the risk profile and carrier appetite We emphasize flexibility and underwriting creativity to deliver customized solutions for non-standard risks that admitted markets often decline. Underwriting Notes and Minimum Premiums Underwriting is managed by specialists experienced with mobile home community exposures, enabling faster, more accurate assessments. There is no stated minimum premium, which allows placement of a range of account sizes. Submissions should include clear property details, an occupancy breakdown, and prior loss history to expedite review. Territories and Availability This non-admitted program is available nationwide, including high-risk coastal and wind states such as Florida, Texas, and California, as well as Washington, D.C. We have strong market access in states where non-admitted capacity is commonly required. Why Work With Leavitt Recreation and Hospitality As a general agency focused on hospitality and recreational risks, Leavitt Recreation and Hospitality Insurance combines deep underwriting expertise with access to multiple A-rated non-admitted carriers. We focus on niche programs like mobile home communities, helping agents place difficult accounts with confidence and service-oriented support. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile home parks in high-risk coastal, wind, or wildfire zones, older parks, or those with prior coverage challenges fit well. 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 be limited or unavailable. What carriers are used for this program?We work with multiple A-rated non-admitted carriers to provide flexible options tailored to each risk profile. Is there a minimum premium for submission?There is no specified minimum premium, making this program accessible across a range of account sizes. What information is needed to get a quote?Provide property details, occupancy information, and prior loss history to ensure thorough and timely underwriting. Need help placing an account? Connect with a market specialist.