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Mobile Home Park Owner Insurance Providers - Specialized Protection


Getting specialized insurance designed for just mobile and manufactured homes can be quite daunting if you don’t know where to look. Even though there are very many companies offering insurance policies to mobile park owners, it is always very important to first and foremost identify the kind of insurance cover you want then try and shop for a good service provider who will offer the desired services at an affordable cost.

Mobile home park owner insurance is important due to lots of factors. Just like any other business, this type of business does have its own unique exposures that need to be covered. These usually include policies that provide expert loss cover or coverage for a loss or rental space due to non-owned mobile home or direct physical loss. There is also coverage for new mobile homes that the park owner may be holding for sale. A good cover should also include law or ordinance, demolition and increased cost coverage. Another common coverage that mobile park owners tend to go for is the outdoor property cover that generally includes furniture and pools as well as liability for common areas including swimming pools and tennis court as well as playground equipment.

When getting such covers, it is advisable to get one that has additional features such as lifetime renewal of the policy, agreed loss replacement, deductible waiver which comes into play when a covered loss is greater than an agree figure, debris removal coverage as well as additional living expenses are just some of the additional features you can get from an insurance company.

Depending on your insurance provider, it is possible to get some significant discounts such as original owner discount if you are the original titleholder of your manufactured or mobile home then you can get discounts of up to 5 percent or even get a multi-policy discount id you insure more than one mobile home with one insurance company. To get further discounts, you can install some protective devices in your park such as a home security system. For those mobile home park owners who are over 50 and retired, there are also special discounts which you can enjoy.

Here are some of the most popular mobile home park owner insurance providers in the market. They include but are not limited to the following:

 
1) King Insurance

Mailing Address: 31381 Rancho Viejo Rd Ste 101, San Juan Capistrano, CA 92675

Phone Numbers: 800-488-4096

Web URL: http://is.gd/l3sY0i

Types of Covers: with over 25 years experience in the mobile home insurance field, the company does offer covers that protect the investments of park owners using specific covers which have been specifically designed for them. These include Property Covers, Liability Covers, Inland Marine Covers, Tenant Discrimination Cover, Garage Keepers Liability, Automobile and Umbrella covers. The company does offer services to even those mobile park owners with secondary services such as community stores, golf courses, propane sales and RV camping.



2) Foremost Insurance Group

Mailing Address: 5600 Beech Tree Lane, Caledonia, MI 49316

Phone Numbers: 1-855-325-2455

Web URL: http://is.gd/Vy4fDb

Types of Covers: with years of experience in handling claims for mobile park owners, the company has lots of other covers for its clients. These include the comprehensive coverage which covers most direct, accidental and sudden physical losses such as vandalism, explosion, fire, water damage from bursting pipes, damage by stray or wild animals, hail or wind damage and explosion. The company also has an Agreed loss settlement that ensures that if the mobile park is destroyed by an insured loss, then you receive the full amount of insurance. The company also has the optional replacement cost coverage which offers you a settlement that reflects the cost to replace the damaged items with new property of comparable quality and material without any deduction for depreciation.



3) GEICO

Mailing Address: One GEICO Plaza, Washington, D.C 20076

Phone Number: 1-800-841-300

Web URL: http://is.gd/R3vFKX

Types of Covers: other popular coverage options to choose from include personal injury cover, incidental business liability, business loss cover, identity fraud expense and management including monitoring, personal liability coverage on additional residences, trip coverage when moving your home as well as replacement cost coverage for the mobile homes and other structures as well as personal belongings. The liability coverage is also available, this covers you if you are found to be legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home. This usually covers costs such as lost wages, property damage, medical bills as well as pain and suffering.




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