Mobile Home Insurance

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Find the best mobile home insurance

Comparing your options for mobile home insurance in Canada? We can help you with that. 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 is so many ways.

At Thinkinsure, we can help you find the best mobile home insurance in Ontario, Alberta, and across Canada. You can compare compare mobile home insurance quotes 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. Get started by comparing quotes online or give us a call and speak with an insurance advior. Keep reading to learn more about mobile home insurance and how you can save your policy.

How to compare quotes for mobile home insurance

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

1) Start your quote

2) 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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Our customer reviews

Rated 4.7 out of 5 stars in 1291 Google reviews

See what our customers are saying about getting insurance with us.

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C G

2023-04-18 17:28:34

Awesome Experience, Darryl Fardy is the man, got me set up quick and easily. Greatly Appreciated.

WOLFGANG MUENCH

2023-04-16 14:15:24

Lisa was very pleasant to work out the details

Nabanita Debsarkar

2023-04-14 16:21:15

Evan was our Magician. He was prompt in addressing our need yet patient to understand our situation and help accordingly. We are definitely going to go back to him, every time we have an insurance need. We highly recommend his service.

Erin Stewart

2023-04-12 23:54:34

After a car accident, for which I was unfortunately at fault, and complications with my old insurance provider, Bailey at ThinkInsure was able to help me in just a couple of days find and get signed up with a new insurance company. He was friendly, professional, prompt, and diligent, and didn't make me feel bad for my past mistakes. He answered any questions I had and made me aware of all my options in layman's terms. I am fully satisfied with my experience and would recommend both Bailey and ThinkInsure to anyone seeking out first time insurance or a new insurance provider.

Anna Hicks

2023-04-06 14:29:50

I had contacted numerous insurance companies over couple of days . I called Thinkinsure and it became our last stop . The price was by far the best, the professional and friendly and calm service provided by Darryl Fardy was exceptional. Darryl is definitely a huge asset for the company as we got things done fast and efficiently. I have already recommended this company to many people .

debbie doyle

2023-04-04 14:31:06

Very considerate, clear and accurate of their knowledge. They follow up and are quick to reply. I would recommend this insurance company, I’m very satisfied.

Jared Haird

2023-03-30 23:58:05

Great experience. Fast and friendly service. Todd was extremely helpful with all of my requests. Highly recommend giving Todd a call for your insurance needs.

Marie

2023-03-28 21:02:28

If anyone is out there looking for a great insurance broker, I highly recommend Evan Venditti at ThinkInsure. His customer service and care were tremendous ... he was extremely prompt, responsive and personable. His knowledge and expertise are top notch and he was an absolute pleasure to work with.

What is mobile home insurance?

Mobile home insurance coverage shares similarities with standard homeowners insurance. Insurance for mobile and manufactured homes is a specific type of home insurance. It offers unique types of protection intended specifically for mobile dwellings. It also offers the coverage you would come to 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 known by a variety of names. But they all fall under the same category for insurance purposes. The following are eligible for mobile home insurance:

Modular homes
Mini homes
Tiny homes
Mobile homes
Double-wide homes

As part of insuring manufactured homes, insurers may require your mobile home to meet certain 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 manufacturers standards for anchoring.

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

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, other equipment on their property.

Water damage insurance
Overland water coverage
Earthquake insurance
ATV insurance
Watercraft insurance
Transportation coverage: If you need to move your mobile home.
Equipment breakdown: If your home systems breakdown. This includes furnace, 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.

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 us about $900 annually or $75 per month. Mobile home insurance costs are more affordable compared to standard homes. Compare insurance quotes for manufactured homes today to explore your options.

Top factors affecting the cost of manufactured and 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 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?
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

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. At this time Manufactured Home Construction and Safety Standards (MHCSS) were established.

What about modular home insurance – 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 onsite
Can sit on non-permanent foundation	Sits on permanent foundation
Built with a metal frame – no basement	Build on a traditional foundation – has basement
Looks like a trailer – long and narrow	Resembles a traditional home

Mobile home insurance FAQs

Why do I need manufactured home insurance?

A manufactured home needs to be protected just as much as standard homes. 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 manufactured home 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 insurance experts to compare mobile insurance quotes from the top providers in Canada.

Is mobile home insurance expensive?

Manufactured 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. Speak with our insurance experts to compare mobile home insurance quotes.

Get mobile home insurance

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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2023-06-08

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Find the best mobile home insurance