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Park insurance

Coleman Insurance Agency

Coleman Insurance Agency, Inc. writes property and liability coverage for mobile home and RV parks in Florida, alongside homeowners, high-value and waterfront home, auto, health, and commercial business lines.

The park program is written for both co-operated and privately owned communities and is tailored per client. Coverages named on the site include loss of rental space income after a direct physical loss to a non-owned mobile home, mobile homes held for sale or rent, ordinance or law with demolition and increased cost of construction, outdoor property such as pools, furniture, signs, street lights and fences, liability for common areas including pools, tennis and shuffleboard courts, billiards and weight rooms and lakes, and directors and officers liability for association boards. The agency also places workers' compensation for associations with no employees but with volunteers or uninsured contractors.

The agency is run by two brothers who opened separate agencies in 1998 and 2004 and combined under the Coleman Insurance Agency name in 2014. Its office is at 4831 Ruen Drive, Suite 200, Palm Harbor, and it names Dunedin, Clearwater, Tarpon Springs, Westchase, Fort Myers, and the wider Tampa Bay area as the markets it serves. Hours are Monday to Friday, 8:30 a.m. to 5:00 p.m.

No premiums or carrier panels are published for the park program. The site also describes the agency as located in Clearwater in one place and gives a Palm Harbor address in another, so confirm the servicing office and the carriers on offer before you quote.

Best for

Florida mobile home and RV park owners and community associations, especially around Tampa Bay, that want a local agent familiar with sinkhole, hurricane, and common-area exposures. Not a fit for parks outside Florida.

What they do

  • Mobile home park insurance
  • RV park insurance
  • Directors and officers liability for park associations
  • Workers' compensation for community associations
  • Commercial business insurance
  • Homeowners insurance
  • High value and waterfront home insurance
  • Flood insurance
  • Auto insurance
  • Health insurance

Details

AttributeValue
CoverageProperty, GL, Flood, Umbrella

What stands out

  • Writes coverage for loss of rental space income caused by a direct physical loss to a non-owned mobile home, plus mobile homes held for sale or rent.
  • Covers common-area liability for pools, tennis and shuffleboard courts, billiards rooms, weight rooms, and lakes, plus ordinance or law and demolition cost.
  • Policies bought through the agency's designated program include the Institute for Business and Home Safety Open for Business disaster-planning tool, which the site values at $2,000.
  • The two principals opened separate agencies in 1998 and 2004 and combined under the Coleman Insurance Agency name in 2014.