Mobile Home Insurance – British Columbia
If a mobile home is how you roll, the insurance you need is specific to the type of home you have chosen. For most, the purchase of a mobile or manufactured home isn’t as much about its mobility as it is about lifestyle choice. It’s important to know that mobile homes do have some unique considerations when it comes to insurance. Your mobile home may be one of the most significant investments you’ll ever make.
As your local insurance experts for over 40 years, we know that each mobile home in BC is unique in its own way. From the neighbourhoods along the coast with scenic ocean views or those located throughout the lower mainland. Whether you’re looking for awe inspiring ocean views or the Rocky Mountain landscape, BC has it all! With all it has to offer, it’s not hard to understand why so many people call BC home. And with 100 locations across the province, there’s sure to be a Westland location near you.
We understand its vital to protect what’s most important to you and your family. Our expert insurance advisors are here to ensure you’re protected and provide peace of mind so you can focus on what’s important in your life.
Why Choose Westland?
We know that your insurance needs to match your goals, your lifestyle and your budget. Our expert home insurance advisors get to know you, so that they can tailor a policy to your exact needs.
We’ll find the best coverage for you at the right price so that you can continue to live your life the way you want to.
Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, Click here.
Mobile Home Insurance Explained
There are so many aspects of coverage to a mobile home insurance policy. Mobile home insurance is similar to that of homeowner’s insurance but reflects differences unique to the aspects of a mobile home. Your mobile home insurance will cover the damage to your home from any risks outlined in your policy to ensure that you’re able to get back to normal as quickly as possible. A few of the risks discussed in a policy include fire, water damage, wind, theft, and vandalism.
And that’s just the beginning. We have access to all the best mobile home insurance products in Canada, so no matter what additional protection you need, we’re sure to have a solution for you!
Like any home, the value of your belongings will add up faster than you think. Calculating the cost of replacing these items is important, particularly if you own higher-value items than the limits available on your policy. High-end bicycles, jewellery, and electronics can add up quickly and may require additional coverage if they are beyond your policy limits. Be sure to talk to us about options for insuring these items.
Like any homeowner, you want to put your personal touch on the look of your home. Many mobile homeowners will add decking, gazebos, even storage sheds or small garages to their homes. This, combined with skirting costs, will eventually need to be factored into the replacement cost of your mobile home.
This coverage provides financial protection for any damages or injuries you might cause to others, and its most significant benefit is that it follows you everywhere. As you likely purchased your mobile home in part due to the flexibility it offers. Liability coverage will provide you the same flexibility. If you’re traveling and cause accidental damage to a hotel room, your liability coverage will kick in.
Your insurance will cover the cost of disconnecting power, water lines, and towing or other transportation to get your place out of the literal line of fire. Since your home has the benefit of built-in wheels, it can be removed from harms way!
How Much Does Mobile Home Insurance Cost in British Columbia?
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Mobile home insurance rates will vary from one city or town to the next in British Columbia. Insurance companies will use rate tables to create the price for home insurance within territories based on experience ratings, exposure to risk, claims data, etc. Pulling from our experience in BC, we’ve put together examples of monthly mobile home insurance prices that we see most often. For a quote specific to your needs, connect with us today!
What Factors Determine the Cost of Mobile Home Insurance?
Not all mobile homes are the same which means not all policies will cost the same. Aside from the type of policy and coverage that you choose, factors that affect your home insurance price include:
- Age of Home
Depending on age, some homes may be at more risk of a claim than
Postal codes provide insight into areas prone to flooding, vandalism, and other claims made
Type of building materials used to construct your home
- Credit Score
You can choose to have a soft touch credit check to apply a discount, depending on your credit score
- Claims History
There may be a discount applied if you’ve never had a claim
- Distance to Services
The distance from your home to a fire hydrant or a fire station affects claim risks
Review Your Insurance and Get a Quote with Westland
Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect mobile home insurance policy for you. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your mobile home coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!
Ways to Save on Mobile Home Insurance in BC
- Mature Customer
- Claims Free
- Local or Monitored Alarm
- Water Lead Detection Device
- Company Loyalty
- Mortgage Free
- Credit Score Factor
Optional Protection Available to Enhance Your Coverage
Based on your lifestyle and where your home is located there may be additional coverages available to you, such as:
- Earthquake Coverage
- Home Based Business
- Glass Breakage
- Umbrella Liability
- Green Claims Extension
Water damage is the most common claim we see when it comes to mobile home ownership. Hot water tanks can burst unexpectedly and flood spaces in your home. This can cause upwards of $15,000 of damage due to the complexities of construction for a mobile home. The right mobile home insurance policy will help mitigate these risks and get you back to your normal as quickly as possible.
Our goal is to find the best coverage for you so that you can continue to live your life the way you want to. To learn more about being a Westland client, click here.
10 Fun Facts About British Columbia
- Vancouver Island is home it a waterfall that is eight times the height of Niagra Falls. The Della Falls waterfall can be found in Srathcona Provincal Park and is a whopping 440 metres in height.
- Half of all British Columbians can be found in Vancouver and the surrounding area.
- BC is home to the world’s largest hockey stick ; how Canadian! You can find it in the city of Duncam and is 62,000 lbs and 62.48 metres long.
- Whistler is known for its beautiful views and slopes. It also has the longest unsupported cable car system in the world. This cable connects the two peaks of the Whistler Blackcomb ski resort.
- BC is one of the top three producers of blueberries and cranberries globally.
- Meares Island is home to the Hanging Tree Garden , which is between 1,500 and 2,000 years old. It features some of the oldest Western Red Cedar trees.
- You can find a quarter of all grizzly bears and black bears in BC.
- Have you ever heard of bathtub racing? Nanaimo is the Bathtub Racing capital of the world, starting in 1967. To complete, you’ll need to use a bathtub as a boat.
- Lights, camera, action! BC is the fourth-largest television and film production centre.
- Wine country lives in BC. Each year BC vineyards welcome over one million visitors. Over 929 vineyards cover more than 10,260 acres of land.