Park insurance
XINSURANCE
XINSURANCE writes customized excess and surplus lines liability coverage for risks that standard carriers decline, including mobile home park liability. Policies are described on the site as XINSURANCE / Evolution Insurance Brokers policies, and coverage is aimed at filling the gaps and exclusions left by homeowners, employer, and business policies.
Coverage is assembled rather than sold off a shelf. A buyer or their insurance producer submits a quote request selecting from a long product list, XINSURANCE schedules a call to consult on the exposures and collect details, and then builds a personalized quote intended to address the risks in one comprehensive policy. Claims are handled in-house, with the site promising a straightforward assessment regardless of the circumstance or degree of difficulty.
The product list spans risk classes well beyond mobile home parks, among them campsites and campgrounds, habitational liability, property owners, commercial auto, commercial property, directors and officers, and professional liability. A TRU Umbrella product extends limits over personal or business coverage, and a communicable disease liability endorsement can be added to an underlying XINSURANCE policy. Offices are listed in Sandy, Utah; Chicago; Naples, Florida; and Exton, Pennsylvania, and coverage is sold both direct and through insurance producers.
What to check directly: the site gives two different contact numbers on different pages (877-585-2853 on the FAQ and mobile home park pages, 877-447-4705 on the about and events pages). Because every E&S policy is individually underwritten, confirm which lines, limits, and endorsements a specific park qualifies for before relying on the product list.
Best for
Mobile home park owners whose liability or property coverage has been declined, non-renewed, or excluded by standard carriers, including owners with prior claims. Owners who can place coverage in the standard market will not usually need an E&S policy.
What they do
- Mobile home park liability insurance
- Commercial general and premises liability
- Commercial property coverage
- TRU Umbrella excess liability
- Commercial auto coverage
- Directors and officers and professional liability
- Communicable disease liability endorsement
- Coverage placed through insurance producers
Details
| Attribute | Value |
|---|---|
| Other offices | Chicago, IL, Naples, FL, Exton, PA |
| Coverage | Property, GL, Umbrella |
What stands out
- Writes excess and surplus lines policies, which the FAQ says remain available to applicants with a loss history, claims, or other unusual underwriting characteristics.
- Product list covers risk classes from mobile home parks and campsites to habitational liability, property owners, and commercial trucking.
- Lists offices in Sandy, Utah; Chicago; Naples, Florida; and Exton, Pennsylvania.
- Communicable disease liability is sold only as an endorsement on an underlying XINSURANCE / Evolution Insurance Brokers liability policy.
Common questions
- What is excess and surplus (E&S) insurance?
- XINSURANCE describes E&S as the opposite of a one-size-fits-all policy: flexible underwriting lets the policy be tailored to the insured. The surplus lines market exists to cover hard-to-place, unique, or high-limit risks that traditional carriers cannot write.
- Can a property with past claims still get coverage?
- The FAQ says E&S insurance is available even to applicants with a loss history, claims, or other unique underwriting and risk characteristics.
- How does the quoting process work?
- A quote request starts online. XINSURANCE then schedules a call to consult on the buyer's needs and collect further detail, and uses that information to build a personalized quote covering the specific insurance needs in one comprehensive policy.