Insurance on a park when I don't own any of the homes

The quotes I've collected on small parks were mostly general liability plus a schedule for whatever structures the park actually owns, so your well house, the laundry shed, signage, fencing, playground equipment if there is any. Underground lines are usually excluded unless you buy something specific for them, which surprised me. Broker also asked about the age of the electrical pedestals and whether there were any trampolines or above-ground pools, which apparently move the price more than lot count does.

On requiring residents to carry coverage, the lease can say it, but whether you can enforce it and how you'd have to notice it depends on your state's manufactured housing community statute, which is its own body of law and not the regular landlord-tenant code in a lot of states.

The laundry shed is the part I'd look hardest at. Common areas with water and machines seem to drive the liability conversation more than the pads do, and one broker told me a park with no common amenities quotes noticeably cheaper. If you ever take a home back for unpaid lot rent, you own a home and the coverage changes that day, so I'd ask what the endorsement costs before you need it rather than after.