The Residential Park and manufactured housing sector is a resilient and growing asset class across the United Kingdom. However, managing these communities involves unique risks—from maintaining underground utility lines to overseeing common areas and shared amenities. At Clopton Capital, we design mobile home park insurance programs that protect your infrastructure, your operational income, and your legal liability.
Insurance products are offered through Clopton Insurance Services, LLC.
While tenants typically own their individual units, the park owner is responsible for the community’s overall safety and infrastructure. Our policies are built to cover:
Building & Contents: Protection for on-site offices, clubhouses, maintenance sheds, and park-owned rental units.
Underground Utility Lines: Specialized coverage for the repair of water, sewer, and electrical lines—essential infrastructure that standard commercial policies often exclude.
Common Area Assets: Coverage for perimeter fencing, signage, utility pedestals, private roads, walkways, and street lighting.
Equipment Breakdown: Protects critical systems such as pumping stations, communal boilers, and security gates.
General Liability: Protection against third-party claims for bodily injury or property damage occurring in common areas, playgrounds, or swimming pools.
Directors and Officers (D&O) Liability: Protects the management entity from lawsuits alleging discriminatory practices (including race, religion, or sexual orientation) or wrongful management decisions.
Industry Insight: Statistics from the U.S. Census Bureau and housing studies indicate that while MHPs provide 6-7% of the total housing stock in certain regions, they face a disproportionate amount of liability litigation regarding fair housing and utility maintenance.
Employment Practices Liability (EPLI): Safeguards your business against claims of wrongful termination, harassment, or discrimination brought by current or former employees.
Workers’ Compensation: A vital requirement if you employ on-site maintenance staff, park managers, or groundskeepers.
We bridge the gap between complex park operations and the requirements of institutional lenders:
Market Access: We work with a select panel of A-rated carriers that specialize in manufactured housing, ensuring you aren’t penalized by insurers who don’t understand the MHP asset class.
Lender Alignment: We ensure your policy meets the exact insurance checklists required by your mortgage provider, facilitating a smooth closing or renewal.
Risk Mitigation: We advise on safety measures for high-risk amenities like swimming pools or older electrical distributions to help lower your premiums.
Portfolio Efficiency: For owners with multiple communities, we can consolidate assets into a single master policy for easier administration and improved pricing.
To provide an accurate side-by-side comparison, we typically require:
Park Details: Address, number of pads/lots, and percentage of park-owned vs. tenant-owned homes.
Infrastructure Info: Age and material of underground utilities (e.g., PVC, copper, clay) and details on the electrical grid.
Revenue: Total annual rental income and any auxiliary income (laundry, vending).
Claims History: A 3–5 year report of any prior incidents or insurance claims.
Protect your community with a policy designed for the unique needs of manufactured housing.
No. Your policy covers the land, common areas, and infrastructure. Tenants are responsible for their own “HO-7” or manufactured home policies, though you should require proof of liability insurance in your lease agreements.
Coverage for natural disasters depends on the location. We can add specific wind, hail, or flood endorsements if your park is in a high-risk zone.
Yes. We routinely quote to specific lender insurance checklists to ensure your policy is fully compliant for financing and refinancing.
Location (protection class), the age of the infrastructure, claims history, and whether the park allows high-risk features like aggressive dog breeds or trampolines.
