Our homes are where we create lifelong memories—and that includes manufactured and mobile homes. If you own a mobile home in Ontario, protecting your investment and personal property is essential. While mobile home insurance is not legally required in Canada, some mobile home parks do require proof of insurance from their residents. Either way, having coverage offers critical peace of mind.

Mobile and manufactured home insurance protects not only the home itself, but also attached structures like garages and sheds. Your insurance premium is determined by several factors, including:

- Whether the home is occupied full-time or seasonally

- The location of the mobile home

- The replacement cost of the unit

- Whether it is attached to other mobile homes

These homes carry unique risks—such as increased fire spread due to smaller structure sizes, susceptibility to severe weather, and vulnerability to issues like frozen pipes in colder climates. These factors often lead to higher claim frequency.

Discounts May Be Available For:

- Policyholders aged 55+

- No prior claims

- Installed security alarms

- Water leak detection devices

Speak with a Vanguard broker to learn which discounts may apply to you.

Coverage Options for Mobile Homeowners

Contents Insurance: Protects valuables and personal belongings both inside and outside the home from insured perils such as theft, flood, smoke, water damage, fire, and vandalism.

Personal Liability Insurance: Covers you if someone is injured or suffers property damage on your premises and takes legal action.

Dwelling Coverage: Insures your mobile home against damage or total loss due to perils like fire, storm, explosion, or theft—including the full cost of replacement if required.

Additional Living Expenses Coverage: Covers temporary housing, meals, and storage costs if your home becomes uninhabitable after a covered loss.

At Vanguard, we provide custom-tailored mobile home insurance packages based on your unique needs. Our experienced brokers shop multiple providers to find you the best value and the right coverage because there’s no one-size-fits-all in insurance.

Protect your home and your peace of mind. Request a mobile home insurance quote from Vanguard today.