Mobile home Protect your mobile home with the right insurance.
Mobile homes require specific protection that standard home insurance policies only sometimes adequately cover.
We understand the unique challenges faced by mobile homeowners and offer customized insurance solutions.
Do you own a mobile home? We know that finding the right insurance can be a challenge.
- Are you facing rejections from traditional insurers ?
- Do you want to protect your home ?
- Are you looking for a solution tailored to your lifestyle ?
Our mobile home insurance expertise
At Covalen, we're proud to offer insurance solutions for all mobile homes and unique situations. Our expertise covers many scenarios, guaranteeing you tailor-made protection, whatever your specific needs.
Solutions for all ages and types of mobile home
Whether you own a brand-new mobile home or an older model rich in history, we have the needed coverage. Our policies for new or recently built mobile homes offer optimum protection for your investment. In contrast, our specialized options for older mobile homes take into account their unique features and specific needs.
Protection for residential trailers
Do you live in a residential trailer in a mobile home park? We understand the peculiarities of this lifestyle and offer coverage tailored to your specific environment and needs.
Coverage for modular homes
Owners of modular homes installed on private land will find Covalen insurance solutions that recognize their dwelling's unique nature and offer comprehensive and tailored protection.
A second chance for homeowners rejected elsewhere
Have insurers turned you down? Don't despair. At Covalen, we believe that every homeowner deserves the proper protection. Our flexible approach and in-depth understanding of the market often enable us to find solutions where others have failed.
What are the risks specific to mobile homes ?
Mobile homes face unique risks that require special attention when it comes to insurance :
- Vulnerability to weather : Because of their lightweight structure, mobile homes are more susceptible to damage from high winds, storms, and even tornadoes. Roofs and siding are particularly vulnerable.
- Increased fire risk : Mobile homes' electrical and heating systems, which are often more compact, can present a higher fire risk if not properly maintained.
- Transport damage : When moving a mobile home, structural damage can occur, requiring special coverage during transit.
- Theft and vandalism : Mobile homes, often located in less secure areas, can be more exposed to the risk of burglary or vandalism.
- Water damage : The pipes and roofs of mobile homes, especially older models, can be more susceptible to leaks and water damage.
Types of coverage available
Comprehensive mobile home insurance should include the following :
- Structure insurance : Covers damage to the structure itself, including walls, roof, windows, and doors. At Covalen, we offer guaranteed replacement value options to ensure optimal protection.
- Personal Property Protection : This policy protects your personal belongings inside the mobile home against theft, damage, or destruction. We offer flexible coverage tailored to your specific needs.
- Civil liability : Protects against claims if someone is injured on your property. Our coverage includes legal protection in the event of legal action.
- Additional living expenses : If your mobile home becomes uninhabitable due to covered damage, this coverage helps pay for temporary accommodation.
Factors influencing the cost of insurance
Several factors are taken into account when determining the cost of your mobile home insurance :
Age and condition of the mobile home : Newer or well-maintained homes generally benefit from lower premiums.
Location : Geographical location influences risk. Areas prone to natural disasters may have higher premiums.
Security measures : Installing security systems, smoke detectors, or storm anchors can reduce premiums.
Replacement value vs. actual value : The choice between these two coverage options will affect the amount of your premiums.
Selected deductible : A higher deductible can reduce your premiums.
What we can cover
- Weather damage (high winds, hail)
- Protection against shifting or transport risks
- Coverage for foundations and anchoring systems
- Civil liability for mobile home parks
- Options for outdoor equipment (terraces, sheds)
Generally, yes, but take the necessary precautions to avoid this damage.
Install security devices, keep your home in good repair, opt for a higher deductible and consolidate your policies.
Location can majorly impact premiums, depending on the risk of flooding or storms.
Yes, if the leak is due to a sudden, accidental event, but not if it results from a lack of maintenance.
Many insurers offer this option, although it can be more expensive.
Generally, yes, but check the details of your policy, as some extreme events may be excluded.
Often, these items require additional coverage. Ask your insurer.
Only sometimes. Specific transportation coverage may be required. Check with your insurer.
Yes, they can be more complex and costly to insure due to the increased risks associated with their age.
It's tailored to the specific risks of mobile homes, such as vulnerability to the elements and potential displacement.
Talk to an expert today
Call us today for a free assessment of your insurance needs and find out how we can give you the peace of mind you deserve. We're here to help.
Fill out our online form.
For a fast, free assessment of your insurance needs, please take a few moments to complete our form. One of our experts will then contact you to discuss the best protection for your situation.