Mobile Home & RV Communities

Offered by Orchid Insurance

Mobile Homes Mobile Home Parks RV RV Parks Business Owners Policy


Orchid now offers coverage for Mobile Home/RV Communities. This is the perfect product for medium to large communities with professional management, as it provides both property and liability to common areas owned by the Mobile Home/RV Community.

Product Features
• Limits up to $15 million per location and $25 million per policy
• Policies will be offered on a BOP form only
• Can include a vast array of additional structures and property located on the premises such as: office buildings, swimming pools, office furniture, pool furniture, etc.
• Can include liability for unique property exposures such as golf courses, restaurants and bars, fitness centers, playgrounds, liquid petroleum gas sales, seating or viewing areas with more than two risers, sales of new or used mobile homes or RV’s, and residential premises rented to others.

Unique Features
• Include Wind coverage without any restriction on distance to coast
• BOP policies offered with TIV limits up to $15 million per building
• Online submission process to increase quick turn-around times

Coverage Highlights
• Tee-To-Green Coverage for golf courses which covers putting greens, fairways and tee boxes
• Utility Services-Direct Damage Coverage is available for properties providing water, communication or power supply services, overhead transmission or overhead communication lines
• Utility Services Time Element Coverage is available to cover business income for losses paid under direct damage to utility services
• Sinkhole Coverage Option available in FL only, subject to underwriting guidelines and subject to sinkhole inspection
• Tools and Equipment Coverage available on a blanket or scheduled basis with limits up to $25,000

Optional/ Additional Coverages
• Equipment Breakdown
• Ordinance or Law
• Outdoor Property
• Water Backup
• Employee Dishonesty
• Wind Driven Rain
• Hired and Non Owned Auto
• Assault & Battery*

Submitting your risk to Orchid has never been easier. Simply e-mail your commercial submissions (ACORD'S, SOV's, Supplementals, Loss Runs, etc...) to


Appointment Required

Carrier Information

Multiple Markets Available



Rating A- or Better

Rating By A.M. Best

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Offered By

Orchid Insurance

32 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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