Manufactured Housing Communities Insurance

Zurich’s Manufactured Housing Communities Insurance is a robust program for owners and managers of manufactured housing communities and RV communities. This program offers Property, General Liability and Auto coverages. With this industry-tailored program, owners and managers will benefit from our Program Administrator’s experience, superior underwriting, policy servicing and administration. With approximately 43,000 manufactured home communities in the United States, and over 22 million people living in manufactured or mobile homes,1 this is an important area for affordable housing and our insurance program can be a vital part of risk management for the people who own, run and maintain these communities.

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Business owners: Contact your insurance agent or broker

Insurance agents

Appetite

This program is looking for experienced owners and/or managers of an individual community or owners/managers of large portfolios. We can write both manufactured housing communities and RV communities.

Geography

  • Nationwide with some restrictions in California and Florida

Ineligible risks

  • No unprotected property
  • No Tier-1 wind areas

Coverages

  • Property
  • General Liability
  • Auto
  • Full set of ACORD applications – 125, 126, 140 at a minimum (Auto if applicable)
  • Program questionnaire
  • 3- 5 years currently valued loss runs
  • Community rules and regulations (including pet policy)
  • Lease agreements
  • Non-admitted

Frequently Asked Questions

What is Manufactured Housing Communities Insurance?

Owners and managers of manufactured housing communities face a multitude of risks, whether related to natural hazards or the negligence of residents or others. Whether it’s a community of manufactured houses (homes built offsite, then transported and installed on the community property), modular homes (homes delivered in sections), mobile homes or RVs, Manufactured Housing Communities Insurance can help provide essential protection from ever-present risks.

Who needs Manufactured Housing Communities Insurance?

Owners and managers of manufactured housing communities contend with challenges unique to their properties, residents and locations. Major losses related to even just a single incident could potentially put their business at risk. Having the appropriate level of coverage can help prevent or mitigate lasting or permanent impacts on the communities they own and maintain.

What coverages are available for manufactured housing communities?

Zurich’s Manufactured Housing Communities Insurance includes Property, General Liability and Auto coverages. We understand the variances among different types of manufactured housing communities, where property often isn’t confined to the housing, offices or vehicles on the premises; it can also include community infrastructure (utilities and improvements) as well as amenities ranging from swimming pools and playgrounds to retail stores and restaurants. We work with our Program Administrator to stay on top of the evolving risk landscape and exposures specific to each type of manufactured housing community.

1. Revere, Patrick. “Manufactured Housing Industry Trends & Statistics.” MH Insider. 6 July 2022.