Mobile Home Insurance – Manitoba

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, we know that each mobile home in Manitoba is unique in its own way. From the neighbourhoods located throughout Winnipeg or those close to the Crescent Lake in Portage la Prairie. Whether you’re looking for awe inspiring rural prairie sunsets or the Pembina Valley landscapes, Manitoba has it all! With all it has to offer, it’s not hard to understand why so many people call Manitoba home.

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.

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 travelling 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 Manitoba?

Mobile Home Insurance Location Monthly Price
Winnipeg $89
Brandon $84
Canada $76

Mobile home insurance rates will vary from one city or town to the next in Manitoba. 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 Manitoba, 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
  • Location
    Postal codes provide insight into areas prone to flooding, vandalism, and other claims made
  • Construction
    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!

Request a quote

Ways to Save on Your Mobile Home Insurance in Manitoba

  • Mature Customer
  • Claims Free
  • Local or Monitored Alarm
  • Sprinkler
  • 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:

  • Identity Theft
  • Home Based Business
  • Watercraft
  • Glass Breakage
  • Home Equipment Breakdown

Claims Example

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 Manitoba

  1. The word “Manitoba” means “where the spirit lives ” in the languages of the Indigenous people who first lived in the region.
  2. We Manitobans are not only really cool, but we’re also really diverse. Since the late 1800s, we have welcomed immigrants from all over the world, earning us the moniker “Friendly Manitoba” for our warmth towards newcomers.
  3. Based on the 2011 census, the top languages spoken in Manitoba are English, German, French, Tagalog (Filipino), Cree, Ukrainian, Chinese, Punjabi, Spanish, and Ojibway.
  4. At one point in geological history, Manitoba was an alpine province with huge mountain ranges.
  5. Manitoba has fewer residents but more curling clubs than Ontario and Quebec combined.
  6. Manitoba basks in more than 2,300 hours of bright sunshine per year, with southern Manitoba enjoying up to 16 hours of daylight during peak summer weeks.
  7. The town of Gimli has the largest Icelandic community outside of Iceland.
  8. Manitoba is called a keystone province because of its shape and position in the centre of Canada.
  9. On one day in 2012, in a random chain of kindness , customers at a Winnipeg Tim Hortons picked up the tab for the next customer 288 times in a row.
  10. The Canadian Museum for Human Rights (CMHR) is the first national museum outside of Ottawa and the only museum in the world solely dedicated to human rights.
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