Mobile Home Park Insurance in Texas
If you own and operate a mobile home park you need an insurance policy that is broad and comprehensive in nature. Whether your mobile home park is designed for manufactured homes or trailers your park has space for rent and also may have common areas such as pools, laundry facilities and playgrounds. You’ll want a commercial insurance policy to protect your investment in your mobile home park.
What types of insurance do you need?
Mobile Home Park Owners have similar needs to landlords. Because you’re in the business of renting out a plot of land for people to park their trailers, manufactured homes or mobile homes on, you need to be sure you’re protected along with covering common areas such as utility services, playgrounds, roads and access points. You are not responsible to insure the trailers and mobile homes on your property or the contents in them. However, you will want insurance for your central building, underground utilities, roads & walkways, fences, common area appliances (laundry rooms) and any permanent structures on your property.
Because your business is unique, there are not a lot of insurance companies willing to take the risk of insuring businesses like mobile home parks. By working with our independent insurance agency, we’ve partnered with some of the leading insurers of mobile home parks meaning you have options.
Some insurance coverages to consider:
- General Liability Insurance
- Property Insurance
- Commercial Umbrella Insurance
- Commercial Auto Insurance
- & more!
Talk to an agent in our office to discuss your mobile home park insurance in Texas. Our agents understand your business and can help you find the right insurance coverage for your business today.
Frequently Asked Questions
Can mobile home park insurance cover common areas and park-owned property?
Coverage may be available for eligible offices, clubhouses, roads, signs, utility systems, maintenance buildings, and other park-owned property. The property and its values should be accurately reported.
Does the park owner’s policy cover residents’ mobile homes?
A park owner’s policy generally is not intended to insure resident-owned homes or belongings. Residents may need their own mobile home insurance, subject to lease or community requirements.
Can insurance cover injuries occurring in shared areas?
General liability insurance may respond to certain covered claims involving injuries in shared spaces. Coverage depends on the circumstances, maintenance responsibilities, policy terms, limits, and exclusions.
Are privately owned utility systems covered?
Coverage may be available for eligible water, sewer, electrical, or other utility infrastructure owned by the park. Texas park owners should provide details about each system’s ownership, age, condition, and maintenance.
How do vacant lots or abandoned homes affect insurance?
Vacancies, abandoned units, renovations, and changes in occupancy may affect eligibility and risk. Park owners should notify their insurance agent when the property or resident mix changes materially.