Manufactured Housing Program

Mobile Home Parks
RV Parks
Manufactured Home Communities

Why an owner of one of these communities should purchase their insurance through our office:

We have over 20 years of experience specializing as a Managing General Underwriting Agency writing insurance coverage’s for the niche class business of Mobile Home Parks, Manufactured Housing Communities & RV Parks throughout the country. As a Program Manager we specialize in this class of business and have the ability to offer coverages community owners need with very competitive pricing and superior service.

We work with licensed insurance professionals throughout the Country who are specialists in protecting the interest of Park owners to help provide a flexible, comprehensive insurance program to meet their individual needs. Our preferred program is designed to protect eligible businesses ranging from the basic single location to a multi-state multi-location schedule of facilities.

Highlights of our Exclusive Program are as follows:

Commercial Package Policy using ISO based Forms
Admitted Markets
“A” Rated Paper
Privately owned or Resident owned Communities
Policy rated on a per space basis
Mobile Home Parks, RV Parks and Combination Facilities
Property Special Broadening Endorsement available
Available on a National basis in most States
Multiple locations in multiple States or same State on one policy
Per location aggregate included for multiple locations written under one policy
Willing to include locations with large LRO exposures
No policy or broker fees from our office
Inland Marine & Crime coverage available
Business Auto policy for service type vehicles used for park business
GKLL coverage for in park RV Storage lots
Eligible Risks considered may also include incidental exposures such as; LRO Restaurants, Golf Courses, Propane Sales & Convenience Stores
Superior Professional Service

Our Package Policies Include:

Property Coverage

Our Commercial Package Policy allows for you to select the specific owned property your client wants insured including but not limited to; Clubhouse Buildings, Laundry & Recreational type Buildings, Walls & Fences, Electrical Pedestals, Transformers, Electrical Panels, Insured Owned Mobile Homes, Docks, Park Signs, Swimming Pools and their Equipment, Playground Equipment, Above & Below Ground Utilities, Business Income / Extra Expense including loss due to a covered cause of loss for non-owned mobile homes. Many ISO options available including Ordinance or Law and Extended Periods of Indemnity.

General Liability

Our Commercial Package Policy provides Standard limits of $1,000,000 each occurrence with a General Aggregate of $ 2,000,000 and $ 2,000,000 for Products-Completed Operations. Program is designed to handle the normal exposures for this class of business including Community Common areas, Club House, Pools, Playgrounds, various on-site recreational activities and Rental Mobile Homes ( LRO ). Employee Benefits Liability is also available.

Inland Marine

Insured owned Golf Carts, Tractors and Lawn Care Equipment, Miscellaneous Tools & Equipment, Electronic Data Processing Equipment, other owned Mobile Type Equipment.

Crime

Employee Theft, Forgery or Alteration, Theft of Money & Securities – Inside and Outside the insured location, Robbery or Safe Burglary of Other Property.

Business Auto Policy

Commercially Owned Autos used for the Servicing of the Park / Community business. Coverage is available to conform to specific State requirements. Optional Hired and Non-Owned Automobile and Garage Keepers Legal Liability for storage lots within the Insured location also available. Auto policies are provided in conjunction with the Commercial Package Policy.

If you specialize in this class of business and would like to discuss our Program further and explore a possible appointment please contact us:

Program Underwriter:
Joe Ruggiano, Vice President
Direct Phone: 610.862.4390
Email: jruggiano@mfirvine.com