Legal Question in Insurance Law in California

We live in a mobile home park in Santa Barbara County in CA. The Owner of our "park" also provides an area for us to store our RVs. We are charged and do pay additional rent to park our RV in the RV storage area. Today, we received "rock" mail from our park managers telling us "due to Park Insurance Requirements it is necessary to have" the name of our park owner AND the name of our mobile home park listed on our RV insurance as "Additional Insured". Our RV was paid for in full when we purchased it three years ago - we have NEVER heard of such a requirement before. We are also informed in this "rock" mail: "If this is not done," we "will no longer be able to park" our "RV in the storage area." Can you verify if the owner can legally require this? Is there such a law?


Asked on 2/20/10, 7:58 pm

1 Answer from Attorneys
Herb Fox Law Office of Herb Fox

I do not know if there is a law "requiring" this, but it is customary for tenants to list the owner of the property as an additional insured. For example, in office space leases it is common for the owner of the building to require that the owner be an additional insured on the office space liability policy. That way, if the owner is sued for something that happens in a leased office, the owner's insurer and that of the tenant can battle out who must pay if there is liability,

Normally there is no additional charge for adding additional insureds. You should check with your insurance company or agent and ask.

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Answered on 2/25/10, 8:05 pm


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