Specialized Coverage for Park Owners, Managers & Manufactured Home Communities
Mobile home parks have unique exposures that standard commercial policies miss. We write coverage specifically designed for manufactured home communities through Foremost — the carrier that pioneered mobile home insurance.
Buildings, common areas, amenities, clubhouses, laundry facilities, signage, and infrastructure.
Slip and fall incidents, tenant injuries, visitor accidents, and bodily injury claims on your property.
Park maintenance vehicles, golf carts, utility trucks, and any vehicles used in park operations.
Coverage for maintenance crews, office staff, groundskeepers, and all park employees.
Additional liability protection beyond your base policy limits — critical for parks with higher lot counts.
Coverage for park-owned units — whether occupied by tenants, vacant between rentals, or being renovated.
We understand the risks specific to Central Valley parks: flood zones, aging infrastructure, high-density communities, and seasonal weather exposure.
Foremost has insured manufactured homes since 1952. As an appointed agent, we have direct access to their specialized park owner products.
You pay your carrier premium, period. No surprise fees at binding.
Your agent speaks Spanish natively. Ask questions, review policies, and handle claims in whichever language is comfortable.
Bring your current declarations page, walk in without an appointment, and we'll review your coverage on the spot.
If Foremost isn't the best fit for your park, we'll shop Hartford, Chubb, and other commercial carriers to find the right coverage.
We insure mobile home parks and manufactured home communities across San Joaquin County: Stockton, Lodi, Manteca, Tracy, Lathrop, and Acampo.
Whether you manage a small community or a large estate, we've seen parks like yours and understand the coverage you need.
Tell us about your park. We'll call you back within 1 business day with coverage options.
— or call us directly —
209-670-1556We insure all types of manufactured home communities — family parks, senior (55+) parks, all-age communities, and mixed-use parks with rental units. Whether you own a 23-lot park or a 280+ lot estate, we can write coverage.
Yes. Standard commercial property policies often exclude or under-cover the unique risks of mobile home parks — things like infrastructure (water/sewer lines), common area liability, park-owned homes, and seasonal weather damage. Foremost writes policies specifically designed for manufactured home communities.
Park owner insurance covers the business operation — your property, liability as landlord, common areas, employees, and park-owned structures. Individual home coverage is what each resident carries for their personal mobile home. As a park owner, you need commercial coverage for the business; your tenants need their own homeowner or renter policies.
For most parks, we can provide a preliminary quote within 1-2 business days. Bring your current declarations page and a park summary (lot count, amenities, employee count) and we'll get started immediately. Complex or large parks may take a few extra days for underwriting.
Yes. Parks with pre-HUD-code homes (built before June 15, 1976) have different underwriting requirements, but Foremost has products specifically for these situations. We'll work with the underwriter to find coverage that fits your park's mix of newer and older units.