Mobile home insurance
IMPORTANT:
- Mobile home less than 30 years old
- On concrete stilts or concrete foundation (no wooden stilts)
- Must be in a mobile home park and you own the land
Mobile home insurance reinvented
With Assur360 and Aviva, you can benefit from customized coverage for your mobile home, no matter what the model: prefabricated, modular, mini or double unit. With flexible insurance designed specifically to fit your particular needs, you'll be able to protect your property at a competitive premium, whether your modular home is lived in year-round, only during vacations or simply rented out.
Your Assur360 insurance policy offers a number of advantages that you should be aware of:
Choice of cover: your mobile home is insured for its replacement value or its value at the time of loss.
Other cover: You can choose cover for third-party liability on golf carts, as well as valuables such as jewelry. This will give you peace of mind in the event of a claim.
Discounts: various discounts allow you to save on the premium. These may include no claims, fire and burglar alarms, no mortgage lessor, two-unit mobile home and 55+.
Professional services: you can always call on the assistance of mobile home insurance claims professionals. Our experts are available to assist you 24 hours a day, 7 days a week. Backed by our industry-leading Claims Satisfaction Guarantee.
Benefits of mobile home insurance
Protect your most important assets
Home insurance is all about security. A claim can happen at any time, regardless of the type of dwelling: apartment, condo, cottage or semi-detached. With the right insurance, you can rest easy when disaster strikes. You'll also benefit from all the advantages this brings.
In fact, home insurance offers very broad coverage for damage. That's why it's not limited to the rare events that are unlikely to occur, such as lightning... It covers much more!
With insurance, you can be protected against damage caused by burglary, vandalism, everyday damage (water, wind, accidental breakage) and much more!
Home insurance also protects you against incidents occurring outside your home. For example, if any of your gardening equipment has been stolen, such as your lawnmower or snowblower, your insurance will compensate you. The same applies to your car player, which you left on the passenger seat of your car.
In fact, your home insurance can cover a large proportion of your belongings. However, you should be aware that there are limits that may apply to certain types of property.
But were you aware that you could be liable for physical damage to anyone who injures themselves inside or outside your home? That's why it's a good idea to have third-party liability coverage on your home insurance.
If this is your first mobile home
A first home often means a first mortgage. And since your landlord knows how home insurance works, he'll certainly want you to take out a home insurance policy, and knowing the advantages that come with it, he won't hesitate to recommend it.
WHAT IS A MOBILE HOME?
The mobile home is a type of housing that originated in England. It first arrived in North America in the 1920s (CMHC). It is, in fact, a single-family home built in a factory and then delivered to the location where it is to be installed and lived in. Although it is generally installed on a site to remain there permanently, it still retains its mobile character.
So, some owners, often less fortunate and wanting to avoid the various costs of wells and septic tanks, seek to set up their mobile homes on already well-sourced territories. This is how the "trailer park" comes into being: a park, as its name suggests, often vast where mobile homes are grouped together. In exchange for occupying the land and using the facilities, the inhabitants and holders of the mobile homes owe a monthly rent to the owner of the site. However, these facilities are often governed by little or no legislation.
Very often, these modular home parks are located outside the city, on the outskirts. However, it's possible to find them right in the heart of some communities, such as Laval, Quebec and St-Hubert, for example.
