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King Support Systems Insurance Services — Mobile Home Park Insurance
King Support Systems Insurance Services offers a specialized Mobile Home Park Insurance program designed for parks in the western U.S. As a Managing General Underwriter and Excess & Surplus Lines Broker, King Support Systems places multi-line packages that address property, liability and ancillary exposures for park owners and operators.
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Territory & Availability
- Available in AZ, CA, NM, NV, OR, UT and WA
- Admitted status: Most Available Markets
- LLC, Non-Profit and Not-for-Profit ownership structures accepted
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| Ideal Accounts and Appetite |
- Independent and professionally managed mobile home parks with primarily long-term tenants
- Parks with park-owned rental homes or significant on-site amenities (clubhouse, pool, golf carts)
- LLCs, owner-operators, and nonprofit park owners
- Not ideal: parks with active major code violations, extensive prior losses without mitigations, or high-hazard tenant activities
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| Coverage Highlights |
- Property: No age restriction on buildings; replacement cost options and ordinance & law available
- Business Income: Available on an ALS basis with 120-day extended period of indemnity
- Equipment breakdown and mechanical/sudden accidental failure coverage for panels and transformers
- Utilities coverage for above- and below-ground piping and infrastructure
- General Liability: Typical limits include $1,000,000 per occurrence with $2,000,000 aggregate and $1,000,000 Personal & Advertising Injury; 100% park-owned rental placements supported
- Umbrella: Limits up to $20,000,000 (requires AM Best "A" VII or better underlying carriers)
- Commercial Auto: Package or monoline with $1,000,000 CSL
- Inland Marine: Coverage for mobile equipment, signs, tools, golf carts and similar property
- Crime: Employee dishonesty, money & securities, forgery & alteration
- National Flood: Up to $500,000 max limits per building where required to satisfy lender needs
- Employment Practices / D&O: Wrongful discharge, sexual harassment, retaliation and related employment exposures
- Difference in Conditions (DIC) options including per-unit deductibles and replacement cost
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| Underwriting Notes & Submission Tips |
- No blanket age restriction on buildings — provide photos and maintenance records for older structures
- Detail park-owned rentals separately (100% park-owned rental programs available)
- Include loss runs, tenant mix, rent structure, and any recent improvements when submitting
- Expect carrier-specific requirements for umbrella and flood placements (AM Best ratings and lender limits)
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| Example Accounts |
- You might have a 75-pad independent park in Oregon with park-owned rental units and a clubhouse — this program can combine property, GL, inland marine and umbrella limits to meet lender and operational needs.
- A nonprofit park in Washington seeking DIC and employment practices coverage to protect volunteer management could benefit from the program’s tailored package options.
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| Why Place This Business With King Support Systems |
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King Support Systems combines focused underwriting for mobile home parks with access to admitted and E&S markets in the western states. The team places multi-line programs that reduce gaps between property, liability and ancillary exposures while supporting unique ownership structures such as LLCs and nonprofits. If you need flexible placements, umbrella capacity, or flood solutions that satisfy lenders, this program is structured to help you close those submissions.
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Mobile Home Park Insurance
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