Mobile Home Insurance – Ontario

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 Ontario is unique in its own way. From the homes throughout Northwestern Ontario or those located throughout the neighbourhoods in Thunder Bay. Whether you’re looking for awe inspiring great lake sunsets or the vibrancy of city centres, Ontario has it all! With all it has to offer, it’s not hard to understand why so many people call Ontario 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.

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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 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 Ontario?

Mobile Home Insurance Location Monthly Price
Thunder Bay $82
Kenora $69
Canada $76

Mobile home insurance rates will vary from one city or town to the next in Ontario. 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 Ontario, 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!

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Ways to Save on Your Mobile Home Insurance in Ontario

  • 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 Ontario

  1. Ontario is larger than Spain and France…combined! It covers more than one million square kilometres .
  2. If you’re a fan of Oktoberfest, you’ll want to visit Kitchener. Even though it only has 200,000 people, it is the home to the largest celebration outside of Germany.
  3. The Great Wayne Gretzky , the all-time leading scorer in the NHL, was born in Brantford in 1961.
  4. With half of Toronto’s population being born outside of Canada, it has the best restaurant varieties. There are over 8,000 options serving food from around the globe.
  5. Niagara Falls consists of three different waterfalls . Horseshoe Falls, American Falls, and Bridal Veil Falls make up this natural wonder.
  6. The most Canadian law exists in Ontario. This law states that saying “sorry” isn’t an admission of guilt.
  7. Lake Ontario is an excellent destination for scuba diving . There is a shipwreck from 1798 that you can check out and a U.S. Air Force c-45 aircraft.
  8. Toronto is the only Canadian city that has seven major league sports teams!
  9. During the winter, the Rideau Canal in Ottawa becomes the longest skating rink in the world. It spans 7.8 kilometers long.
  10. The bottom of Lake Ontario is so cold that skyscrapers use it for their AC as a coolant source.
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