What is the best insurance company for a mobile home?

According to our research, your best bet at insuring your mobile home is through Manufactured Homes Insurance Agency (MHIA). You'll likely struggle to get insurance via a standard home insurer, although our research suggests you could have better luck with NRMA.

A guide to relocatable home insurance

Relocatable home insurance is available via specialist mobile home providers.
This insurance can provide cover for relocatable homes, mobile homes, on-site caravans and cabins.
If you're struggling to find insurance through a direct provider, a broker may be able to help.

What is relocatable home insurance?

Relocatable home insurance is designed to cover a transportable home. These homes are typically built in a factory and can be lifted up and moved. These dwellings do not have foundations, and are often in communities like manufactured home parks or caravan parks where residents lease the land and own the house.

Relocatable home insurance does not cover caravans, campervans or motorhomes, or any dwelling that could be registered as a vehicle.

How to find insurance for a relocatable home

Getting insurance for a relocatable home, sometimes referred to as a mobile home, can be tricky. This is because some standard home insurers tend not to provide cover and instead, you'll need to go through a specialist insurer or a broker.

According to our research, relocatable home insurance is only available through one insurer in Australia; Manufactured Homes Insurance Agency (MHIA). The Insurance Council of Australia (ICA) says that RACQ and NRMA may also offer cover but when we contacted RACQ, we were unable to proceed with a quote. When we contacted NRMA, they wanted to continue the quote over the phone, so cover may be available if your circumstances meet their criteria.

Here are some inclusions MHIA can offer to transportable home owners:

Some cost of relocation if the park the home is in closes
Delivery and installation costs following destruction
Removal of debris from site if home is damaged
Accidental damage, eg. spilt wine on carpet, coffee on computer, breakage of glassware
Storm, fire, earthquake, malicious damage or theft
Accidental breakage of any part of the building
Temporary accommodation up to an amount equal to 10% of the building sum insured, while relocatable home is being repaired or rebuilt.
Escape of water due to burst pipe, overflowing sink or washing machine
Home and contents legal liability cover up to $20 million

2 of 2 results

Finder Score	Fire, Storm & Theft Damage	Flood	Accidental damage	Escape of Liquid	Legal Liability
Finder score NRMA Home & Contents Insurance Plus Most Loved	Finder score					Up to $20,000,000	View details Compare product selectionCompare	loading
Finder score RACQ Home and Contents Insurance	Finder score			Optional		Up to $20,000,000	View details Compare product selectionCompare	loading

Showing 2 of 2 results

Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

What to keep in mind when buying relocatable home insurance

When moving your home from one site to another, also consider what needs to be done to install it on a piece of land. For example, electricity and plumbing will need to be set up, so consider what your insurer offers in these situations so you remain covered.

It's also a good idea to check if you have the option of adding coverage for contents and personal belongings in the home, if you'll be covered for any landscaping of the land around your house, and if there's any replacement cost insurance included in your policy.

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Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 576 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

Co-written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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