Mobile Home Insurance in Calgary, AB

Mobile home insurance quotes in Calgary

Living in Calgary means being prepared for unpredictable weather and unexpected events that can impact your home. If you own a mobile home or are considering purchasing one, securing comprehensive mobile home insurance in Calgary is essential to protect your investment and give you peace of mind.

At Acera Insurance, we put your needs first. Our team is committed to guiding you through the process of choosing the right mobile home insurance policy, ensuring you have the protection that best fits your unique situation.

Wondering what your options are for mobile home insurance in Calgary? We’re here to help. There are a variety of manufactured and mobile homes, differing in size, style, design, and features, and each requires a tailored insurance solution.

Whether you live in your manufactured or mobile home year-round, use it seasonally, or rent it out, Acera Insurance can help you find the right coverage at the best price. Our team specializes in insurance for mobile homes in Calgary and across Alberta, making it easy to compare quotes and customize coverage to suit your needs.

Get started today. Submit a quote request online or call us to speak directly with a knowledgeable broker. Protect your home, your belongings, and your future with mobile home insurance designed for you.

Definition of a mobile home in Calgary

In Calgary, a mobile home is considered a manufactured dwelling and can include modular homes, mini homes, mobile homes, and double-wide homes.

Modular and mobile homes offer an affordable alternative to traditional single-family houses. Contrary to common belief, these homes are not small – they often provide ample space for a large family, with floor plans similar to conventional homes.

The terms “manufactured,” “modular,” and “mobile” are often used interchangeably, but they actually refer to different types of homes. For insurance purposes, however, all these homes are classified as manufactured homes.

Mobile home insurance in Calgary is available for modular homes, mini homes, mobile homes, and double-wide homes.

To insure manufactured homes, insurance companies in Calgary may require your home to meet certain criteria, which can include:

A permanent foundation
Compliance with specific construction standards based on your location
A septic system attached to a sewage tank
Installation of a heating unit
Anchoring that meets the manufacturer’s standards

If you’re unsure whether your home qualifies, contact our Calgary mobile home insurance brokers for guidance.

What is mobile home insurance?

Homeowners insurance and mobile home insurance are similar. Calgary home insurance is the umbrella term in which mobile or manufactured home coverage falls under.

However, mobile home insurance in Calgary offers different types of coverage that are specific to mobile homes. The policy also includes standard coverage such as contents, building, liability, and building structures.

It is important that you insure your mobile home and any other types of property with a comprehensive policy. This will cover you in case of total loss, including your dwelling, structures, and contents.

You should also consider the specifics of mobile homes, such as the transport of the house, the removal of debris and other waste, the installation of skirting and set-up, or the construction of the foundation.

Why you need mobile home insurance in Calgary

While mobile home insurance in Calgary isn’t legally required, going without it leaves you vulnerable to significant financial risks. Here’s why having mobile home insurance is essential:

Coverage for Special Items: Protect valuable personal belongings such as jewelry, watches, bicycles, computers, and cameras from loss or damage.
Protection Against Crime and Vandalism: Insurance helps you recover the value of stolen or vandalized possessions, ensuring you’re not left to cover the loss out of pocket.
Fire and Smoke Damage: Mobile home insurance can cover repairs or replacement if your home or its contents are damaged by fire or smoke.
Severe Weather Events: With extreme weather becoming more common in Calgary, your policy can help pay for repairs if windstorms, hail, or other severe conditions damage your mobile home.
Water Damage: If a burst pipe or water intrusion damages your floors or other parts of your home, insurance can help cover the repair costs.
Compliance with Updated Bylaws: If your older mobile home is damaged, insurance can help you rebuild or repair it to meet current city or provincial by-law standards.

Protecting your investment with comprehensive mobile home insurance gives you peace of mind and financial security against unforeseen events.

Calgary Mobile Home Coverage Options

Essential Mobile Home Insurance Coverage

Personal Liability

Personal liability coverage protects you if someone is accidentally injured or their property is damaged due to your actions. This coverage can help with legal expenses and medical costs if you’re found responsible.

Dwelling Protection

This covers the structure of your mobile home, including the roof, foundation, walls, and attached features. If your home is damaged by a covered event, your insurance helps pay for repairs or rebuilding.

Additional Buildings and Structures

Insurance can extend to detached structures on your property, such as garages, fences, or sheds. Be sure to list these with your insurer so they’re included in your policy.

Personal Property

Your personal belongings—like furniture, electronics, clothing, and valuables—are covered whether they’re inside your mobile home, garage, or shed. Insurance helps you replace or repair items damaged or lost in a covered claim.

Additional Living Expenses

If an insured claim forces you to temporarily move out, this coverage pays for extra expenses, like hotel stays and meals, until you can return home. You may also have the option to increase this limit to suit your needs.

Optional Mobile Home Insurance Coverage

Earthquake Coverage

Protect your mobile home and belongings from damage caused by earthquakes. While earthquakes are more common in regions like British Columbia, coverage can be important for anyone concerned about this risk.

Extended Water Coverage

This option protects you from water damage caused by events like water entering through roof openings, skylights, windows, or overflowing fresh water. It provides an extra layer of security beyond basic coverage.

Identity Theft Protection

Get support and financial protection if your identity is stolen, covering expenses related to restoring your identity and resolving fraudulent activity.

Zero Glass Deductible

If you need to make a claim for accidental glass breakage, this option ensures you won’t pay a deductible for the repair or replacement.

Understanding the cost of mobile home insurance in Calgary

Mobile homes vary in size and shape, so the cost of insurance will also differ. Your home insurance cost is affected by many factors, including:

Age of Home – Some homes are more at risk of a claim based on their age.
Location – The postal codes can provide information about areas that are prone to vandalism and flooding.
Construction – The type of materials used in the construction of your house are considered.
Credit Score – You may choose to do a soft credit check to get a discount based on your credit rating.
Claim History – You may qualify for a discounted rate if you have never made a claim.
Distance from Services – Distance from your home to fire stations or fire hydrants affects your claim risk.

Our mobile home insurance brokers in Calgary have the knowledge and experience to secure you a great deal.