Get manufactured & mobile home insurance in Canada
In less than five minutes, compare personalized property insurance quotes for your mobile home – lock in your lowest rate with us today.
How to compare mobile home insurance quotes with Ratehub.ca
Share information
Tell us a little about yourself and your property coverage needs.
Compare quotes
We instantly show you mobile home insurance quotes from top Canadian providers.
Save money
Choose your quote and secure your mobile home insurance rate online.
Why you should choose to compare with Ratehub.ca
1,200,000
monthly active users
12 years
experience in the Canadian market
5-star rated
quality and respected service
Proudly Canadian
partnering and serving Canadians
What is mobile home insurance in Canada?
Matt Hands, VP, Insurance
Mobile homes need protection, too. Whether you're living in one seasonally or year-round, having the right coverage in place can protect you financially from all kinds of risks.
This is where mobile home insurance comes in – a type of property insurance designed specifically for these types of homes. While it has many similarities to traditional home insurance, it can be tailored to address the unique risks that come with owning a mobile home, such as wind damage and transportation risks.
To qualify for coverage, your mobile home may need to meet certain requirements set by insurers. These can include:
- Being attached to a permanent foundation
- Meeting all local building codes in your area
- Being connected to a sewage system or septic tank
- Having a proper heating system installed
- Meeting the manufacturer’s standards for anchoring
If you’re looking for mobile home insurance, we’re here to help. Compare personalized quotes from across the market with us today – and we'll connect you with a licensed broker who can guide you through finding the coverage you need.
What is a mobile home?
A mobile home is a prefabricated unit that's built in a factory and then transported to a site to be used as housing. While these homes are technically designed to be movable – hence the name: mobile – they're usually placed in one location and left there to stay.
Mobile home vs. manufactured home
The term mobile home is often used interchangeably with manufactured home, but there is a technical distinction, based on housing history within the United States:
-
Mobile homes are factory-built homes constructed before June 15, 1976, the date the Federal Manufactured Home Construction and Safety Standards (the HUD Code) took effect.
-
Manufactured homes are those built on or after June 15, 1976 and are regulated by the U.S. Department of Housing and Urban Development (HUD).
In Canada, there isn’t a specific cutoff date tied to the terminology, but all factory-built homes – whether you call them mobile, manufactured, or modular – are governed by the CSA Z240 MH series standards set out by the Canadian Standards Association. Provincial and territorial authorities adopt and then enforce these laws.Â
Mobile home vs. RV
Note that mobile homes are quite different from recreational vehicles, which have built-in wheels and hitching mechanisms for on-road travel (with the living component). This means that insurance requirements are also very different – if you're looking to insure your RV, we can help with that, too.
Are there other terms for mobile home insurance?
Yes, mobile home insurance can go by several different names. In general, manufactured homes, modular homes, mini homes, tiny homes, and double-wide homes may all be eligible for coverage under a mobile home insurance plan. However, it’s always best to speak with a licensed broker for clarification on your exact case.
Types of home insurance for mobile homes
While every home insurance policy is unique, most mobile home insurance plans include a core set of coverages. Below are the most common ones – but be sure to review your specific policy for the exact details and limits.
Dwelling
Liability
Personal property
Additional living expenses
Optional add-ons for your mobile home insurance
As with any home insurance policy, you can customize your mobile home coverage with optional add-ons. Here are a few common ones to discuss with your insurance broker:
Sewer backup
Protects against damage caused by a backed-up sewer or drain.
Overland water
Covers flood damage from rain or rising water that flows over land.
Identity theft
Helps cover the cost of restoring your identity if you fall victim to fraud.
Equipment breakdown
Covers repairs or replacement if appliances or systems (e.g. HVAC, plumbing) fail unexpectedly.
Home-based business
Provides coverage for business equipment and liability if you run a business from home.
Detached structures
Protects structures on your property that aren’t attached to your home, such as a garage, shed, or fence.
Earthquake coverage
Adds protection in case of earthquake damage to your home and belongings.
Transportation coverage
Protects against damage or loss to your mobile home while it’s being moved.
Guaranteed replacement
Ensures your home can be rebuilt to its full value, even if the cost exceeds your policy limit.
Compare mobile & manufactured home insurance quotes today.
In less than five minutes, view personalized home insurance quotes from Canada’s top providers. Finding the best coverage for your mobile home doesn’t need to be so complicated.
How much is mobile home insurance?
Mobile home insurance tends to cost less than coverage for a traditional house. Plans can range from $500 to over $1,200 annually, depending on your exact home and all its coverage needs. On average, expect to pay about $900 (which is equivalent to about $75 per month).
To find the exact cost of your policy, be sure to compare mobile home insurance quotes with us. You won't know which insurer offers the best rates (along with the best coverage options) until you shop the market.
What factors impact the cost of mobile home insurance?
To understand why the price of mobile home insurance can differ so greatly, here are the main factors that insurance companies look at when calculating your quote. In general, the more risk you and your home bring, the more expensive it'll cost you for protection.
Age
The older your mobile or manufactured home, the more expensive your coverage will be – due to risks of loss and damage.
Property value
Higher-valued mobile homes cost more to insure as your insurance provider will need to pay out more for a rebuild.
Construction
The type of mobile home you live in and its materials make a big difference. For example, fire-resistant siding or reinforced roofing can impact your rate positively.
Location
Location matters – a lot. If your home is in an area with high crime rates or severe weather risks, expect to pay more for coverage.
Claims history
If you have past claims on any property insurance histories (e.g. home, condo, tenant), expect to pay higher insurance rates.
Credit score
Opting in for a soft credit check (and having good credit) shows insurers you're financially responsible – lowering your rate.
Discounts
Discounts can add up, making a big difference in your rate. You won't know all you're eligible for until you ask – so be sure to inquire.
Coverages & deductibles
The more coverages (and the higher its limits), the more it'll cost you. You can, however, offset this with a higher deductible.
Are there mobile home insurance discounts?
There are many steps you can take to lower your mobile home insurance rate. Be sure to ask your insurance representative about potential discounts for:
- Being mortgage-free
- Being part of specific groups (e.g. school alumni, professional services)
- Having safety devices installed (e.g. fire alarm, monitored burglar system)
- Having a factory-built, double-wide home
- Bundling insurance products (e.g. mobile home and auto insurance)
- Opting in for a soft credit check
Ready to lock in the best home insurance for mobile homes?
We've got you covered. Compare personalized mobile home insurance rates from Canada's top providers with us today – your best rate is just a few clicks away.