MHC/MHP Insurance · MH Sales Mastery Network

MHC/MHP Insurance

I focus exclusively on insurance for manufactured housing community owners and operators — it's all I do.

One pattern I keep seeing across policy reviews: lender requirements from Fannie, Freddie, and HUD are driving coverage decisions more than the actual risk profile of the community. Owners end up structured around what satisfies the loan covenant and not much else.

The problem is those requirements don't address a lot of the exposures that are unique to the land lease model — things like loss of lot rent tied to a tenant-owned home, abandoned home debris removal, infrastructure-driven business income loss, or water and sewer backup on private utility systems. Those gaps don't show up on a lender checklist but they show up fast when there's a claim.

Curious if anyone has any hands on experiences with their insurance agent on this?

1 comment

MHC/MHP Insurance