Abbotsford Mobile Home Insurance

Competitive mobile home insurance in Abbotsford

Abbotsford has it all, the beautiful British Columbia countryside is right at your door, but with all the amenities of a large city. With abundant natural surroundings and modern conveniences, Abbotsford is certainly a destination worth exploring.

Given the serene vistas, it’s no surprise that Abbotsford also attracts snowbirds, who come to the city for milder temperatures in winter and may even choose to stay through spring and summer.

People who want the comfort and stability of a one-family home can invest in a manufactured or modular home without having to sacrifice their lifestyle.

Acera Insurance offers the Abbotsford mobile home insurance you need, whether you are planning a weekend trip or want to live in your mobile home full-time.

What is a mobile home?

Over the years, you may have heard a variety of names for your mobile home or homes like it. You’ll want the best mobile house insurance quote, but you’ll also need to ensure you’re using the correct term to describe your home.

The type of insurance you need for your home and possessions is largely determined by your home’s classification. You should first figure out whether you own a mobile home (also known as a manufactured or manufactured home), or a modular house before you can get a mobile insurance quote. You will need to obtain a quote on a standard home insurance policy for modular homes.

Mobile homes and travel-trailers were both built on chassis until around 1960. Both were trailers which were also private dwellings.

Around this time, industry restructuring took place and now there is a difference between trailers used for camping and trailers used as houses.

Mobile homes are often rooted to a particular site once they have been installed. While trailers can be pulled from one campground to another, mobile homes cannot.

Mobile modular homes and mobile manufactured homes in Abbotsford

Mobile manufactured homes give families the opportunity to buy a home that is comfortable and full of amenities at a fractional cost.

In Abbotsford, and other cities in BC, mobile manufactured homes have a wide range of features that can be customized. They are built with well-regulated facilities, which helps to limit delays.

The house is then placed on wooden or metal piers. It can also be built onto a foundation, basement, solid base, or even a concrete slab.

BC modular homes offer the same large floor plans and customization possibilities as manufactured homes. Modular houses are also popular because of their affordability and flexibility.

In contrast to manufactured homes, modular homes are built by home builders in several pieces. Two to five completed pieces are transported to the site and then assembled on top of an existing foundation.

These homes look like site-built houses once all pieces have been joined. The local codes and laws that apply to the home will vary depending on its location.

How does mobile home insurance in Abbotsford work?

Mobile home insurance has many similarities to homeowner’s coverage, but also reflects the unique aspects of a motor home. Your mobile home policy will cover any damage caused to your home by the risks listed in your policy.

This ensures that you can get back to normal quickly. Some risks discussed in a mobile home insurance policy include theft, vandalism, fire, and water damage.

Acera Insurance can provide you with the best insurance for your mobile home in Abbotsford.

What does mobile home insurance in Abbotsford cover?

Personal Liability

You probably purchased your mobile house because of the flexibility that it offered. The best part about this coverage is that it’s also flexible, it will follow you wherever you go. 

Personal Property Coverage

The value of all your possessions can add up much faster than expected. That’s why it is crucial to calculate the replacement cost for these items, especially if they are worth more than your insurance limits. 

If you own expensive jewelry, or electronics, they can quickly add up and require extra coverage. Talk to our mobile home insurance brokers to find out what options are available to protect these items.

Enhancements And Improvements

Mobile homeowners often add storage sheds, decking or gazebos to their home. With this coverage, the cost of skirting and decking may be included in the final replacement price for your mobile home.

Insurance For Emergency Removal

Your home can be moved away from danger because it has wheels built in! So, whenever you are in a difficult situation, insurance will pay for the costs of disconnecting the power lines and water pipes, as well as towing your home or any other means of transportation. 

Abbotsford Mobile Home FAQs