Mobile Home Insurance - Assur360 Tek

HOUSING Submission

ECONOMICAL

SIMPLE

Protection for your mobile home

IMPORTANT before subscribing:

Mobile home under 30 years old

On concrete stilts or concrete foundations (no wooden piles)
Must be in a mobile home park and you own the land

Mobile Home Insurance Reinvented

With Assur360 and Aviva, you can get customized coverage for your mobile home, whether it’s prefabricated, modular, mini or double-united. With flexible insurance, designed specifically to meet your specific needs, you’ll have the flexibility to protect your property with a competitive premium, whether your modular home is lived in year-round, just during the holidays or simply rented.

Your coverage

Your Assur360 insurance offers you many advantages that you should surely be aware of:
Choice of coverage: Your mobile home is insured based on its replacement cost or its value at the time of the loss.
Other coverage: You can choose coverage to protect liability on golf carts as well as valuable items such as jewelry. This will allow you to remain more serene when a disaster occurs.

Discount: The different discounts allow you to save on the premium. They may concern the absence of a claim; burglar and fire alarm; absence of a mortgage lessor; Two-unit mobile home for those 55 and over.

Pro benefits: You can always seek the assistance of mobile home insurance claims professionals. To do this, experts will be fully available at all times to support you, 24 hours a day, 7 days a week. Service backed by our industry-leading Claims Service Satisfaction Guarantee.

Advantages of mobile home insurance

Protecting your most important assets

Home insurance works above all in the service of security. A loss can happen at any time, regardless of the type of home: dwelling, condo, cottage or semi-detached. By taking out good insurance, you can rest easy when a loss occurs. You will benefit from the various advantages that this provides.

Indeed, home insurance offers very extensive coverage for damages. To do this, it is not limited to extremely rare events that have a low chance of occurring, such as lightning… It covers much more!

Thanks to insurance, you will have the possibility of being protected against damage following a burglary, vandalism, damage in everyday life (water, wind, accidental breakage) and many others!

Home insurance in Quebec

Home insurance also protects you from various incidents that occur outside your home. For example, if one of your gardening equipment has been stolen, for example your tensioner or snowblower, you will be compensated through insurance. The same goes for your car player that you had left in the passenger seat of your car.

In fact, your home insurance covers a large part of your belongings. However, it is important to know that there are limits that can be applied for certain types of property.

However, were you aware that you could be responsible for the physical damage of any individual who injures themselves in your home, inside and outside your home? This is why it is recommended to have civil liability protection on your home insurance.

If this is your first mobile home

A first home often implies a first mortgage. And since your landlord knows how home insurance works, he would certainly like you to take out a home insurance policy, and knowing the advantages that come with it, he will not hesitate to recommend it to you.

What is a mobile home?

The mobile home or modular house, from the English name “mobile home”, is a type of home originating in England. It first arrived in North America around the 1920s (CMHC). It is in fact a detached house built in a factory to be then delivered to the place where it will be installed and inhabited. Although it is generally installed on a site to remain there permanently, it still retains its mobile character.

Thus, some owners, often less fortunate, want to avoid facing the various costs of wells and septic tanks, and are looking to set up their mobile homes in areas that are already well resourced. This is how the “trailer park” is formed, a park, as its name suggests, often large where mobile homes are grouped together.

In exchange for occupying the land and using the facilities, the residents and owners of the mobile homes owe a monthly rent to the owner of the site. However, these facilities are often governed by little or no law.
Very often, these modular housing parks are located outside the city, on the outskirts. However, it is still possible to find them in the heart of certain municipalities, such as Laval, Quebec and also in St-Hubert for example.

What is the difference between a mobile home and a modular home?

Mobile home : Built on a steel frame with wheels, it can be moved easily. It is often installed in residential parks or on private land with anchors.
Modular home : Manufactured in the factory in sections (modules) and then assembled on a permanent foundation. It looks more like a traditional house and offers more flexibility in terms of design and extension.

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