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Mobile Home Insurance Quebec 2026: Complete Coverage for Trailers and Tiny Homes

Trailer, tiny house, prefabricated, modular: specialized insurance, not the standard home policy. Here’s everything you need to know in 2026.

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Types of Mobile Homes
100+
parks in Quebec
25%
Average Economy vs. Direct Insurer
48h
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Mobile Home vs. Standard Home: Why the Policy Is Different

A mobile home (prefabricated residential, mini-house, permanently installed trailer) has characteristics that distinguish it from a conventional home: often non-permanent foundation, less robust sheet metal/vinyl/wood structure, possible location on rented land (park) with specific rules. Standard insurers often refuse this type of risk or charge a lot of money. Quebec specialized insurers (Desjardins, SSQ, Promutuel) have adapted products: structure, property, civil liability coverage, with options specific to the residential stock.

Mobile home — Assur360 insurance

IN BRIEF

Mobile Home Insurance

Mobile homes (prefabricated, on foundations, in parks) have specific policies that are distinct from traditional housing. Less coverage because of the higher fire risk (lightweight materials).

Markets: Few insurers offer this product in Quebec. A broker from our partner firms has access to specialized programs (Cumis, Promutuel mobile). Typical premium: $800-1,500/year.

Mobile structure

Covers the house itself: fire, wind, hail, vandalism. Replacement value at replacement or current value depending on age and condition.

Personal property

Furniture, electronics, appliances. Typical limit 50-80% of the value of the structure. Expandable as needed.

Civil liability

$1 million to $2 million to protect in the event of injury to your home or unintentional damage to a third party. Essential.

How to do it in 2026

1

Identify your mobile home type

Single-large, double-large, CSA Z240 certified tiny house, converted trailer. The type affects the premium and availability of insurers.

2

Check the rules of the park

If you rent the site, the park owner often has minimum requirements ($2 million RC, proof of insurance). Ask for the list.

3

Evaluate your structure

Current replacement value (not the purchase price). A professional can assess whether you have renovated. Very different from a conventional house.

4

Specialized broker quote

Few direct insurers offer this product. An Assur360 broker has access to several specialized companies. Compare before you sign.

⚠️ Permanent foundation = different font

If your mobile home is installed on a permanent foundation (concrete slab, basement) and declared as a permanent residence to the municipality, some insurers treat it as a standard home. This can reduce your premium. Always state the exact situation.

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Quebec regions served

Assur360 supports clients throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Lévis, and all regional municipalities. Regardless of your postal code, the brokers of our AMF-certified partner firms are at your service.

Subtypes and Price Ranges — Mobile Home

SubtypeTypical Weight/ValueProfile
Residential mobile homeLaid on foundation/blocks, 60-200 m², value $60-180KOftentreated as a dwelling
TinyhousePullable, value $35-95KMobilitypossible but often stationary
Parkland Mobile Home, Stationary in a Park, Value $30-120KLandRent, Specific Policies

Insurance Particulars — Mobile Home

The mobile home is no longer really an RV: it is treated by most insurers as a full-fledged home. Typical premium: $540 to $1,400/year depending on value, housing stock and options. See our Mobile Home Insurance page for details. Tiny houses remain in a grey area — some insurers cover them as an RV, others as a mobile home.

Mobile home compared to other types of RVs

Mobile home vs. stationary trailer: the mobile home is designed as a permanent residence, on foundations/blocks, connected to services. The stationary trailer remains an RV (mobility possible), even if left on a site all season. Different policies and premiums.

Insurance tips — mobile home

  • → For a mobile home in a residential park, check the park manager’s insurance requirements (often mandatory $2 million RCA).
  • → If you have added an extension cord, porch or shed: declare each addition with value.
  • → RV-certified tiny homes on wheels must have a VIN/plate — check the legal status before applying.
  • → Combine mobile home + car with the same insurer for savings of 10-20%.

Frequently asked questions

Is my mobile home insured like a home?
Not by default. It requires a “mobile home” or “prefabricated residence” policy. Contact a broker for the correct classification.
How much does it cost to insure a mobile home?
Typically $600 to $1,400/year depending on value, age, location (park vs. private land) and province. A broker compares for the best price.
Can I find out if I have a converted trailer?
Yes, but it’s more complex. Some insurers accept if the trailer is on permanent piles, connected to services and inhabited year-round.
The wind blows away my house — is it overcast?
Yes, with storm/wind coverage (standard). Wind travel of more than 90 km/h on an unanchored structure may be excluded — check the anchor endorsement.
Am I covered if I move my house?
No, transporting a mobile home requires a separate “transport” policy or a specific rider. Plan this before you move.
Are CSA Z240 tiny homes covered?
Yes, and with more flexibility than trailers. CSA Z240-MH certification simplifies insurability.
Do I have to insure the land if I rent it?
No — the owner of the park insures the land. You insure your home and your civil liability.
Is flood insurance included?
Rarely. Mobile homes near water are at high risk. Ask for a soil water and discharge endorsement.
How long does it take to get a quote?
24 to 48 hours with Assur360. Call 1-866-357-4451 for expedited service.
Where can I find insurers who accept?
Contact Assur360. We work with several insurers specializing in prefabricated residential and mobile homes in Quebec.

Why do business with Assur360

  • ✓ Firm registered with the Autorité des marchés financiers (AMF)
  • ✓ Certified brokers in the Insurance Chamber and the Insurance Chamber
  • ✓ More than 100,000 customers in Quebec since 2010
  • ✓ Bilingual service available at all times
  • ✓ No cost to the customer: we are paid by the insurer
  • ✓ 9+ insurers compared in a single step

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