Mobile Home Park Insurance Coverage Checklist
The coverages a mobile home park business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for mobile home parks and manufactured housing communities. Priorities reflect typical exposure; confirm against utilities the park runs.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers resident and visitor injuries on park roads, grounds, and amenities. | Core | |
| Pollution / Environmental Liability | Covers contamination claims from park water, septic, lagoons, or fuel — usually excluded from GL. | Core | |
| Commercial Property (Park Buildings, Utilities, Park-Owned Homes) | Covers clubhouses, wells, treatment systems, and homes the park owns. | Core | |
| Equipment Breakdown | Covers pumps, wells, treatment equipment, and electrical distribution. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for a contamination or storm-related claim. | Prevalent | |
| Workers' Compensation | Required in most states if the park has employees. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is pollution coverage for park-run utilities. An AP review found nearly 70% of mobile home parks that run their own water systems violated federal drinking-water rules over five years, and EPA has required parks to rebuild systems after arsenic violations. General liability usually excludes contamination claims. Parks that run water or septic systems should carry pollution coverage, use certified operators, and keep testing current.
Send us the checklist and we'll review your mobile home park coverage line by line, then market it across multiple carriers that compete for your account.
Related: Mobile Home Park Insurance · Mobile Home Park Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a mobile home park business need?
The core coverages for a mobile home park business are Commercial General Liability, Pollution / Environmental Liability, Commercial Property (Park Buildings, Utilities, Park-Owned Homes). This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my mobile home park coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.