A park model or an RV on a rented space is somebody’s home, and it is not a house, an apartment or quite a vehicle either. What insures it is a specific product rather than an assumption.
A park model on a rented space is insured differently from both a house and a touring RV.
Three things about a home on a rented space.
Space rent covers the ground, the utilities and the common areas. Your unit, your belongings and your liability are entirely yours, exactly as in any tenancy. Residents frequently assume the space rent includes something for the unit and it does not.
A park model set up permanently with a deck and skirting is insured differently from an RV driven on the road. Carriers ask whether the unit is moved, whether it is on jacks or wheels and whether anything is attached to it. Those answers decide the product.
Decks, awnings, carports and skirting may belong to you or to the park depending on the agreement, and after a storm that question decides who repairs what. Reading the space agreement once is worth more than the argument afterwards.
What is yours on a rented space.
Stationary and touring are rated and written differently.
Decks and awnings are commonly disputed.
Usually a liability minimum, set for their benefit.
Tell us whether the unit moves, what is attached and what the park requires.
We write park models properly rather than forcing another form on them.
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