Insurance for Mobile Home Parks – Protect Your Investment with Hawsey Insurance

Owning or managing a mobile home park can be a profitable business, but it also comes with unique risks. From property damage and tenant disputes to liability claims and natural disasters, there are countless scenarios that could threaten your income and assets. Without proper insurance, you may be forced to cover costly repairs, legal fees, or lost income out of pocket.

At Hawsey Insurance, we specialize in providing insurance for mobile home parks across Mississippi. Our team understands the specific needs of park owners and operators, and we work to create a tailored policy that protects both your physical property and your financial stability.

Why Mobile Home Park Owners Need Specialized Coverage

Mobile home parks are unlike traditional real estate investments. Your responsibilities may include maintaining roads, common areas, utilities, and shared facilities, as well as managing the leasing of individual lots. This complexity means you face a combination of commercial property risks and landlord liability risks.

Some of the most common exposures for mobile home park owners include:

• Property Damage – From severe weather, fire, or vandalism.
• Tenant Liability Claims – Injuries in common areas or disputes over property maintenance.
• Loss of Income – Due to damage that makes lots uninhabitable.
• Equipment Loss – Damage to maintenance vehicles, tools, or machinery.

A mobile home park insurance policy from Hawsey Insurance is designed to address all these concerns in one comprehensive package.

Key Coverages for Mobile Home Park Insurance

When you work with Hawsey Insurance, we customize your policy to include the protections your operation needs most. Common coverages include:

1. Commercial Property Insurance

   Covers your park-owned structures, such as office buildings, clubhouses, laundry rooms, utility sheds, and more. This protection includes damage from fire, storms, theft, and vandalism.

2. General Liability Insurance

   Protects you if a tenant or visitor is injured on your property or if their property is damaged due to your operations.

3. Loss of Income / Business Interruption Insurance

   Helps replace lost rental income if your park becomes partially or completely uninhabitable due to a covered event.

4. Equipment Breakdown Insurance

   Covers repairs or replacement of essential machinery, such as water pumps, electrical systems, and HVAC units, that service your park.

5. Commercial Auto Insurance

   If you own vehicles used for park operations, commercial auto insurance protects them against accidents, theft, and other losses.

6. Workers’ Compensation

   Provides wage replacement and medical benefits for employees injured on the job.

7. Umbrella Liability Coverage

   Extends your liability limits beyond your standard policy for extra protection against large claims.

Natural Disaster Risks for Mobile Home Parks in Mississippi

Mississippi’s weather can be unpredictable, and mobile home parks are especially vulnerable to certain natural disasters, such as:

• Hurricanes and tropical storms
• Tornadoes
• Flooding
• Hail and wind damage

At Hawsey Insurance, we can help you include windstorm insurance or flood insurance in your policy so you’re not left exposed to these common risks.

Factors That Affect Mobile Home Park Insurance Costs

The cost of your insurance policy depends on several factors, including:

• Size of the Park – Number of lots and acreage.
• Location – Proximity to high-risk areas for flooding or storms.
• Amenities Offered – Pools, playgrounds, or recreational facilities may increase liability exposure.
• Age and Condition of Property – Older infrastructure can raise costs if it needs more maintenance or upgrades.
• Security Measures – Fencing, lighting, and surveillance can help lower premiums.

We work to find the most competitive rates without sacrificing the coverage you need.

How Hawsey Insurance Helps Mobile Home Park Owners

When you choose Hawsey Insurance for your mobile home park insurance, you get more than just a policy—you get a partner who understands your business.

• Industry Knowledge – We know the challenges mobile home park owners face.
• Custom Solutions – We design a policy that fits your specific risks and budget.
• Access to Multiple Carriers – We compare quotes from top-rated insurers to find the best fit.
• Local Service – Our Mississippi-based agents understand your community and its unique needs.
• Responsive Claims Support – We guide you through the claims process to get you back to business faster.

Get a Free Mobile Home Park Insurance Quote

Don’t let unexpected risks threaten your investment. Protect your property, income, and peace of mind with mobile home park insurance from Hawsey Insurance.

Call us today to speak with one of our experienced agents, or request your free online quote. We’ll review your current coverage, identify gaps, and create a comprehensive policy tailored to your needs.