Protect it with our Mobile Home Insurance designed explicitly for Modular Homes.
Your mobile home is more than just a roof over your head—it’s where you make memories and feel safe. Don’t leave your property vulnerable to damage or loss.
Click on one of the below topics to unpack your modular home insurance:
This is your primary residence building itself. Your Dwelling coverage encompasses your principal residence or mobile home and any attached structures and additions. These permanent fixtures and associated equipment are covered under this policy, provided they are not used for business or farming purposes.
To determine the qualifications of what is considered covered by your dwelling, please consult your insurer’s wording booklet.
Personal Valuables/Increased Limits Coverage enables you to increase the insurance amount for a specific high-value item that would otherwise surpass the limit provided in your base policy.
– Fine Jewellery
– High-value watches
– Wine and Spirits
– Works of Art
– Bikes
To be liable means simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages.
Accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential because it helps protect you from financial losses that may occur due to a lawsuit.
Standard insurance policies do not cover flood damage unless added as additional coverage.
Flood coverage will compensate for direct physical loss or damage from various causes if indicated on your Cover Page. These include floods and surface water that enters your dwelling at ground level or above.
In case of discrepancy, the documentation prevails.
Unlike typical houses, mobile homes include a few additional questions for a quote:
- It must be factory-built and CSA Z240 labelled. The label must be permanently affixed to the mobile home.
- Park Model trailer must be factory built and CSA Z241 labelled. The label must be permanently affixed to the trailer.
- Skirted and tied down. The manufacturer must approve tie-downs or;
- On a permanent foundation, meaning a full or partial basement, concrete pad, concrete pilings or foundation
Life Insurance Calculator ←
Life insurance provides a crucial safety net, ensuring your family can maintain their financial stability and cover expenses like mortgage payments, outstanding debts, and future education costs even in your absence.
Get Instant Term Life Estimates:
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Insurance Risks When Buying a Mobile Home in Saskatchewan.
Purchasing a mobile home in Saskatchewan comes with unique insurance considerations. Here’s a breakdown of key risks to be mindful of:
Wind and Hail Damage: Saskatchewan experiences severe weather, including high winds and hailstorms. Mobile homes, with their lighter construction, can be more vulnerable to damage from these elements.
Floods: If your mobile home is located in a flood-prone area, flood insurance is crucial.
Benefits of Home Systems Protection Coverage.
Without this coverage, you could face thousands of dollars in repair or replacement costs if one of your systems breaks down. Extended warranties often offer inadequate safeguards, leaving you vulnerable to substantial losses for the appliances essential for heating, cooling, hot water, electricity, communication, and backup power.
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Ensure you’re Covered by Voluntary Firefighting.
Depending on your location, multiple voluntary firefighting departments may respond if a fire occurs on your land. Each department’s rates may differ, and you could see anywhere from $900 to $1200 charged as an hourly fee.
It’s always important to contact your local RM or Municipal Office to find out if your taxes cover these charges or if you need to add voluntary firefighting coverage to your policy.
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