Park insurance written for parks.
Property and liability for mobile home parks, RV parks and campgrounds, from programs with forms built for this market instead of a general commercial policy.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
A park is its own kind of property
Parks combine landlord, hospitality and recreation risks in one place: a clubhouse and pool, roads and utilities, park-owned homes, short-stay guests and golf carts. Standard commercial carriers often decline them.
I place parks with specialty programs that write mobile home and RV parks as a class, with general liability, property, equipment breakdown, crime, inland marine and liquor liability available on one account.
- General liabilityInjuries on park roads, common areas and amenities.
- PropertyClubhouse, office, laundry and park-owned homes.
- Equipment breakdownPumps, wells, electrical and sewer systems.
- Hired and non-owned autoStaff driving for park business.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Park: address, number of spaces and type of park.
- Buildings: office, clubhouse, laundry and their values.
- Amenities: pool, playground, lake or trails.
- Park-owned homes: number and values.
- Revenue: annual rents and payroll.
- History: current policy and loss runs.
Mobile home and RV park insurance, answered
Does park insurance cover residents' homes?
No. Residents insure their own homes. The park's policy covers the park's buildings, common areas and liability.
Can an RV park get liquor liability?
Yes, when the park sells or serves alcohol. It's quoted with the park's liability.
Are golf carts covered?
Park-owned golf carts can be scheduled. Tell me how they're used and who drives them.
Why was my park declined by standard carriers?
Many carriers don't write parks as a class. Specialty programs built for parks are usually the right market.
Do you offer mobile home park and RV park insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about the park. I'll shop it.
The address, number of spaces and amenities are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.