Edmonton Mobile Home Insurance

Safeguarding your mobile home in Edmonton: Insurance insights

With the average sold price of a detached home in Edmonton sitting around $445,000, and forecasted to rise, it’s no wonder why Edmontonians are looking for housing alternatives. A mobile home is much cheaper than your standard single-family home, and as a result plenty of Albertans have started to lean towards the concept of that kind of purchase. Mobile homes have a lower overall cost, can be customized, or altered, can be bought new or used (with the latter option lowering the final cost), and are built rather quickly. Your mobile home will require insurance, just like any other asset you may have, such as a house or a car.

Enter mobile home insurance in Edmonton. Whether you stay in a mobile home full-time or just stay seasonally, you need mobile home insurance to grant you the same comprehensive protection that you would otherwise come to expect from a standard homeowner’s insurance policy. Get a free mobile home insurance quote in Edmonton from Acera Insurance today.

Mobile home insurance policies for Edmontonians

Mobile home insurance in Alberta resembles a home policy more so than a car policy, in contrast to conventional RV insurance in Edmonton. The advantages of a mobile home policy include the following:

• Protect your home. If an insured loss should ever arise, you’ll gain the assurance you need to rebuild or even restore the structure that was damaged and replace your belongings.
• Protect your outbuildings & golf carts. Does your mobile home feature a shed, detached garage, or even a deck? These can be included in your insurance protection and be safeguarded against theft and damages.
• Our brokers advocate for you. If something unfortunate happens, we’re here to support you. We’ll assist with your paperwork, advocate for you, and address any questions you might have.

What does mobile home insurance in Edmonton cover?

You can expect your mobile home insurance policy in Edmonton to cover:

• Your third-party liability, which is covered by your regular insurance and provides legal protection if someone is injured on your premises or if you cause damage to their property.
• Contents replacement fees should any of your covered personal property be damaged or lost as a result of an insured loss. In most cases, you can choose to either insure your belongings for their depreciated value or the price it would cost to replace them with an equivalent item. Your sheds and carts are included in this coverage, as well as detached buildings.
• Physical damage coverage in case you need to rebuild or repair your mobile home following a disaster due to an insured loss.
• Emergency removal coverage If your mobile home needs to be relocated due to an emergency, your insurance will cover the costs associated with moving it to safety. This includes expenses for disconnecting utilities such as power lines and water pipes, as well as towing or transporting your home by other means.

Do you need coverage year-round for your mobile home, even if you don’t use it in the wintertime? See our blog about winter storage for RVs in Alberta. For many people, storage-specific coverage, or at least a condensed version of their regular insurance coverage can provide peace-of-mind that they are aptly covered during the winter season.

Edmonton mobile home liability coverage

Mobile home insurance in Edmonton protects both your personal and property responsibility. This means that your insurance will start paying out if someone is injured or has property damaged because of your careless behaviour or while they are a guest at your mobile home (or your permanent site). These legal fees will be protected by this coverage, such as:

• Administrative fees
• Judgement awards
• Settlements
• Defense costs

At Acera Insurance, we highly recommend increasing your liability limits to well upward of $2 million for premises and personal liability.

Edmonton mobile home physical damage

Having the right coverage for your mobile home’s physical structure is crucial. A standard policy may include the following coverage against physical damage.

• Water damage * (with an endorsement)
• Wind and hail
• Theft and vandalism
• Explosions
• Collision (with vehicle or object)
• Impact by aircraft or vehicle
• Lightning
• Fire and smoke
• Falling object
• Earthquake * (with an endorsement)

Additional insurance options for your Edmonton mobile home

Beyond what is considered standard, you may consider the addition of the following mobile home insurance endorsements for your Edmonton mobile home.

• Guaranteed replacement cost. This choice ensures that if your mobile home needs to be replaced, you will get a brand-new one that is identical to the previous one.
• Extra coverage for your valuables. Jewellery works of art, and even collectibles will be better protected by this practical addition. This will not only offer more comprehensive claims coverage but will also enhance your total coverage limits.

FAQs: Edmonton Mobile Home Insurance