Insurance Policies for Mobile Home Park Investments

Mobile home park investments typically involve financial foresight and a strategic approach to risk management. Ensuring that your investment is protected against potential threats is paramount. This guide explores the common types of insurance that mobile home park operators should consider to potentially safeguard their assets and maintain operational stability.

Insurance Policies for Mobile Home Park Investments

Essential Insurance Policies for Mobile Home Park Operators

1. General Liability Insurance

General liability insurance is usually fundamental for any mobile home park operator. It primarily covers claims related to bodily injuries or property damages that might occur within the premises of the mobile home park. Given the varied activities and number of residents in mobile home parks, understanding policy exclusions and tailoring the coverage to meet the specific needs of your community is often crucial.

2. Excess Liability Insurance (Umbrella Coverage)

For incidents that exceed the limits of standard policies, excess liability insurance, or umbrella coverage, acts as an essential safety net. This type of insurance is likely crucial for managing severe incidents that could otherwise jeopardize your financial stability. It provides additional coverage when the costs of claims surpass the capacities of other active policies.

3. Property Insurance

Property insurance generally protects the physical assets of your mobile home park. It includes the mobile home park’s infrastructure—roads, utilities, community buildings—and any park-owned mobile homes. Ensuring comprehensive coverage and accurate valuation of these assets is likely vital for protection against unforeseen disasters such as fires, storms, or vandalism.

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By Andrew Keel
Insurance Policies for Mobile Home Park Investments

Advanced Insurance Needs for Mobile Home Park Investments

1. Business Interruption Insurance

Unexpected closures or reductions in operational capacity can severely impact the financial health of a mobile home park. Business interruption insurance is designed to mitigate financial losses during such periods. It typically covers loss of income and operating expenses incurred while your mobile home park is not fully operational due to covered events like natural disasters or major infrastructure repairs.

2. Workers’ Compensation Insurance

Any business with employees should have workers’ compensation insurance. This policy provides financial protection against claims arising from injuries that employees might sustain while on the job. It’s likely a critical component for mobile home parks, where maintenance and administrative staff often face various workplace hazards.

3. Employment Practices Liability and Tenant Discrimination Insurance

As mobile home park operators navigate an increasingly complex legal landscape, having coverage for claims of unfair treatment, harassment, or discrimination becomes essential. This insurance usually protects against lawsuits from employees or tenants and is an important safeguard for maintaining a fair and respectful community environment.

4. Cyber/Crime Insurance

In an era where digital transactions and community management are commonplace, protecting against cyber threats and financial crimes is becoming increasingly popular. Albeit, not entirely common, cyber/crime insurance often covers a range of risks including data breaches, online fraud, and other cyber-related security issues, helping to ensure that both the operator’s and residents’ sensitive information remains protected.


While the specific needs may vary based on the size and scope of your mobile home park, integrating these insurance policies into your risk management strategy could potentially provide essential layers of protection. Collaborating with a knowledgeable insurance provider can help you navigate these complexities. This helps ensure that your investment in mobile home parks remains possibly secure and profitable. Remember, while these insights can guide you, they do not guarantee outcomes, and professional advice tailored to your situation is always recommended.

At Keel Team Mobile Home Park Investments, our commitment lies in uplifting communities and aiming to optimize returns for investors. We strive to enrich the lives of residents while securing substantial gains for our partners. For more information on our investment philosophy and strategies, please contact us using the details provided below.

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The information provided is for informational purposes only and should not be considered investment advice, nor a guarantee of any kind. There are no guarantees of profitability, and all investment decisions should be made based on individual research and consultation with registered financial and legal professionals. We are not registered financial or legal professionals and do not provide personalized investment recommendations.

Tristan manages Investor Relations at Keel Team Real Estate Investment. Keel Team actively syndicates mobile home park investments, with a focus on buying value add, mom & pop owned trailer parks and making them shine again. Tristan is passionate about the mobile home park asset class; with a focus on affordable housing and sustainability.