Mobile Home Insurance

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A guide to getting the best mobile home insurance in Canada

Comparing mobile home insurance options? Mobile home types can vary by size, shape, look, and features and manufactured homes have been gaining in popularity. They’re affordable, customizable, and can be constructed in so many ways.

At Thinkinsure, we can help you find the best mobile home insurance. You can compare quotes for mobile home insurance from the top providers in Canada to find the lowest rates.

We’ll help you get personalized coverage for your manufactured mobile home. Whether you live in it all year, seasonally, or even if you lease it out, we have you covered. Keep reading to learn more about mobile home insurance and how you can save your policy.

What is mobile home insurance?

Mobile home insurance coverage shares similarities with standard home insurance in Ontario. Insurance for mobile and manufactured homes is a specific type of coverage. It offers unique types of protection intended specifically for mobile dwellings. It also offers the coverage you would expect, such as protections for contents, building structures, and liability.

You may be able to get standalone mobile home insurance or add coverage as an endorsement on an existing policy.

What qualifies as a mobile home?

Manufactured homes are referred to by multiple names. But they all fall under the same category for insurance purposes. The following are eligible for mobile home insurance:

Modular homes: This is a home that has been built indoors in a facility. It's constructed of premade modular parts that are put together onsite.
Mini homes: These are single-unit homes that are much smaller than traditional houses.
Tiny homes: This is a home that is less than 500 square feet.
Mobile homes: It's a home built to be transported and can be moved to a new location. It's not stationary.
Double-wide homes: This is a mobile home that is wider than traditional models. It's customized with more living space.

As part of insuring manufactured homes, insurers may require your mobile home to meet specific criteria, such as:

It’s attached to a permanent foundation.
It may need to meet specific building standards in your city or province.
It needs to be connected to a sewage system or septic tank.
It may need a heating system installed.
It must meet the manufacturer’s standards for anchoring.

Speak with your insurer to clarify if your manufactured home qualifies.

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What does mobile home insurance cover?

When you are insuring your mobile home or any other type of property, it's important to ensure you choose a policy that includes enough coverage to replace your residence, rebuild structures, and cover your contents in case of a total loss.

There are also manufactured home-specific things to consider – transportation of the home, debris removal, set up and skirting and building of the foundation.

Here is what’s included:

The manufactured home itself: This includes the walls, roof, and other components.
Detached structures on the property: If you have a shed, deck, skirting, foundation.
Your personal belongings: The stuff in your home. Learn more about contents insurance for your belongings.
Personal liability: If someone is injured on your property. Or if someone takes legal action against you.
Living expenses: Compensation for food and accommodations when your mobile home is being rebuilt or repaired.

Optional insurance and endorsements for manufactured homes

Mobile homeowners can enhance their policy by adding coverage for things like golf carts, sports gear, and other equipment on their property.

Overland water coverage: Get this coverage if you are close to a river, lake, or large body of water.
Earthquake insurance: This is particularly important if you live in a seismic zone.
ATV insurance: Bundle coverage for your ATV and other all-terrain vehicles.
Watercraft insurance: Add protection for your boat and other watercraft.
Transportation coverage: If you need to move your mobile home.
Equipment breakdown: If your home systems break down. This includes furnaces, HVAC, and others.
Bylaw coverage: If you have damage and need to rebuild your mobile home to meet updated bylaws or building codes.
Betterment and improvements: This will help cover replacements to decks, skirting, gazebos, and more.
Emergency removal: This will cover the costs to disconnect water and power lines and move your mobile home out of the way of danger, such as fire or flood.

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How to compare quotes for mobile home insurance

Finding the right policy starts by comparing quotes for mobile home insurance. Follow these easy steps to get a personalized plan:

1) Start your quote

Enter some personal info to get started.

2) Enter your mobile home details

Tell us about your home and property.

3) Compare rates

See rates from the top insurers.

Get insured

Choose the lowest rate and get insured.

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

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2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

How much is mobile home insurance?

Mobile home insurance rates can range from $500 to $1,200 or more depending on your dwelling type and many other policy-related factors. The average mobile home insurance cost is about $900 annually or $75 per month. Mobile home insurance costs are more affordable compared to standard homes.

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Top factors affecting the cost of mobile home insurance

There are many things insurers use to calculate the cost of your insurance. The most common are:

Age: How old is your mobile home? Is it more than 25 years old? Was it built before 1976?
Location: Are you located in a low-risk area? What are the biggest threats in your region? How close are you to a fire hydrant and emergency services?
Construction: What type of home is it? Mobile, manufactured, modular, tiny?
Value: What is the overall value of your home? How much would it cost to replace it?
Insurance record: Do you have a claims-free record? Have you had a claim or two recently?
Policy choice: Adding more protection will increase your rates. But it will also give you peace of mind.

Ways to save and get cheap mobile home insurance

Looking for ways to save? Aren’t we all? Here are some ways to get cheap manufactured home insurance:

Claims free
Newer home
Monitored alarm system
Sprinkler system
Mortgage free
Loyalty discount
Mature customer
Bundle with car insurance

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Insurance for older mobile homes

The age of your mobile home is a big consideration by insurance companies. Older mobile home insurance may not be offered to units that are older than 25 years. Getting insurance for older mobile homes can be challenging because those built before 1976 did not follow standard building regulations. They were unregulated. So, insurers have concerns about insuring mobile homes that may or may not meet modern building standards.

If you want to get insured for an older mobile home make sure it's well-kept, does not have safety concerns, and it's been updated or modernized.

What's the difference between mobile and manufactured homes?

There is a subtle difference between manufactured and mobile homes. It all has to do with the date they were built. Homes built before 1976 are considered mobile homes, and those built after 1976 are considered manufactured homes. Manufactured Home Construction and Safety Standards (MHCSS) were established at this time.

What about insurance for modular homes – how are they different from manufactured homes?

Both manufactured and modular homes are designed and built in a factory. But they have many differences beyond this. The distinction between the two can affect your insurance requirements. Here are the main differences between these two types of homes:

Manufactured home	Modular home
Delivered assembled in one piece	Delivered in multiple pieces and assembled on site
Can sit on a non-permanent foundation	Sits on a permanent foundation
Built with a metal frame – no basement	Build on a traditional foundation – has a basement
Looks like a trailer – long and narrow	Resembles a traditional home

Mobile home insurance FAQs

Why do I need manufactured home insurance?

A mobile home needs to be protected just as much as a standard home. They have exposure to the same types of threats. Manufactured homes have a greater risk of being damaged. Fires can spread quickly, they are at risk for storm damage and frozen pipes are common. Having insurance will help protect you in these situations. Plus, you’ll need proof of insurance if you have a mortgage.

Is mobile home insurance required?

You are not legally required to have mobile home insurance. But there are situations where you may still need to have it. Mortgage providers will require you to have insurance to qualify for a loan. Mobile home communities may also require you to have a certain level of insurance to live in the location.

What are the insurance companies that cover mobile homes?

Not all insurers offer mobile home insurance policies. The insurance companies that offer plans, like Aviva, may have specific requirements before issuing a policy. For example, they may require your mobile home to be permanently installed and skirted. Speak with our brokers to compare rates and coverage for mobile insurance.

Is mobile home insurance expensive?

Mobile home insurance rates may or may not be expensive. It depends on your situation. They are usually less than a standard home policy. Each plan is relative to your situation. While cost is always the main consideration, having the right protection in place is also essential.

Can you get flood insurance on a mobile home?

Yes. You can get a flood insurance endorsement. This is important coverage to have if you live near lakes, rivers, or areas that are prone to floods.

Can you insure an older mobile home?

Yes, it's possible to get insurance for an older mobile home. Some insurers may offer you a policy and others will not. To qualify, it’ll need to be in good shape, well-maintained, and free of safety concerns or issues.

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Get a mobile home insurance quote

Time to renew your policy? Are you in the process of buying a mobile or manufactured home? Compare mobile home insurance quotes to find the best policy for you. All it takes is a few minutes of your time to find the cheapest plan and best protection.

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2024-12-03

Compare mobile home insurance quotes from Canada's top providers and find a cheaper rate.

Compare home insurance rates from the top providers

A guide to getting the best mobile home insurance in Canada