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.

manufactured-housing_1000x500

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

FAQs

Manufactured Housing Communities Insurance from Zurich is designed to help protect owners and operators of manufactured housing communities against property damage, liability claims and operational risks. Coverage supports community owned infrastructure, common areas and income producing property exposures.

Zurich Manufactured Housing Communities Insurance is intended for:

  • Owners of manufactured housing communities
  • Operators of mobile home or manufactured home park
  • Property owners responsible for common areas and infrastructure

This coverage helps address risks related to tenant occupancy, property maintenance and third party liability.

Zurich insures manufactured housing communities that may include:

  • Community owned common areas
  • Clubhouses, offices and maintenance buildings
  • Roads, signage and shared amenities
  • Utility infrastructure owned by the community

Eligibility depends on property characteristics, operations and underwriting guidelines.

Insurance programs for manufactured housing community owners may include:

  • Property insurance
  • General liability
  • Business income coverage
  • Equipment breakdown (when applicable)

Coverage is customized based on community size, location and operational exposure.

Yes. Zurich Manufactured Housing Communities Insurance can include coverage for common areas and community owned infrastructure, such as roads, clubhouses, offices and shared facilities. This helps protect owners from losses and liability related to community operations.

Business income coverage may be available through Zurich Manufactured Housing Communities Insurance. This coverage helps protect income if a covered loss causes a temporary interruption to normal community operations.

Yes. Zurich Manufactured Housing Communities Insurance is available nationwide with some restrictions in California and Florida, subject to underwriting guidelines and jurisdictional requirements.

Zurich works with a program administrator that handles the Manufactured Housing program. When agents and brokers request contact, the program administrator that handles the program will contact them directly. A book of manufactured housing business is required by the program administrator in order to get an appointment.

To obtain Zurich manufactured housing insurance, businesses can request contact through ZProgramsMatch.

Community owners choose Zurich because of:

  • Experience supporting complex property risks
  • Financial strength and long term stability
  • Integrated underwriting and claims support
  • Risk management insights for community owned properties

Zurich helps manufactured housing community owners protect assets, residents, and long term investments.