Protect it with our mobile home insurance specifically designed 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:

Dwelling Coverage

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

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

Personal Liability

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. No one likes to imagine being sued. But 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.

Flood Insurance

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.

CSA Z241 Labels

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

Loan Protection

Did you get a mortgage? If you did, you might have also signed up for a form of Life Insurance! Often referred to as Mortgage/Creditor Insurance, this type of coverage is designed to protect the bank if the worst should happen. Find out about the difference in coverage when you have a policy designed to protect your assets and your family.

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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.

Ensure you’re covered with voluntary firefighting coverage.

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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Explore our FAQs for Saskatchewan property insurance.

Your home is one of your most valuable assets, and protecting it should be a top priority. Check out some of our most frequently asked questions for home insurance. For example, “Why does my property insurance cost go up yearly?”

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