Relocatable home insurance

Living in a transportable building? Relocatable home insurance protects your movable house.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Want the flexibility of a relocatable home? Then you'll need relocatable home insurance to ensure you're covered if something goes wrong in the moving process. This form of insurance covers events that normal home insurance does not cover, like damage that could occur during the transport of the structure, or during the water and electricity installation for the home at its new location.

What is relocatable home insurance?

Relocatable home insurance is designed to cover a transportable home that is usually lived in, and that is not permanently attached to a site, except for services like water and electricity. If you're living in a relocatable home, you'll need to consider tailored cover in case of an accident.

A relocatable home includes transportable homes that are built in a factory, not on site, manufactured homes, and sometime prefabricated homes. The building 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.

Certain specialist insurers focus on relocatable home insurance. A lot of the major insurers will also cover relocatable homes as part of a building insurance policy, but you'll need to specify the kind of building you want covered during the policy purchase process.

Relocatable home insurance does not cover tents, caravans, campervans or motorhomes, or any dwelling that could be registered as a vehicle. This form of insurance also does not cover buildings that are lived in short term.

How do I get insurance for relocatable homes?

Specialist insurers focus on relocatable home insurance, while major insurers will cover a relocatable house as part of their run-of-the-mill home insurance policies.

If you buy normal home insurance cover, you'll have to specify the type of house you are purchasing cover for when finalising the policy.

In Australia, there are a handful of insurers specialising in this type of cover, including Manufactured Homes Insurance Agency (MHIA), CIL Insurance, Austbrokers Countrywide, Qtrust for owner-builders and Roderick Insurance Brokers. If purchasing a policy through one of these, you'll have a bit more choice as to what's covered and what isn't, and ensuring the unique needs of your relocatable home are met.

Who provides relocatable home insurance in Australia?

There are five speciality insurers that will provide relocatable home insurance.

InsurerInclusions
MHIA
  • 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
CIL Insurance
  • Covers any additional fixtures you have on site, including gates, pools, pergolas, and more
  • Covers contents including carpets, furnishings, curtains, blinds, portable electrical appliances, clothing, sporting equipment and more
  • Damage from fallen trees or branches
  • Accidental breakage of skylights, glass fixed to home and shower basins and sinks.
  • Flood, storm, fire, earthquake, malicious damage, theft or collision
  • Accidental glass breakage cover
  • Re-building fees and related costs
  • Electrical motor burnout cover
  • Out-of-pocket expenses including temporary accommodation
  • Contents away from the site for up to 90 days
  • New for old replacement
  • Home and contents legal liability cover up to $20 million
Austbrokers Countrywide
  • Flood, storm, fire, malicious damage, theft or collision
  • Temporary accommodation up to an amount equal to 20% of the building sum insured, while relocatable home is being repaired or rebuilt.
  • Home and contents legal liability cover up to $20 million
Qtrust
  • Cover for owner builders
  • Delivered structures
  • Existing property or structures such as garages, sheds or containers on site
  • New work to restore a structure to a liveable condition, including public liability.
  • Storm damage, water and rain and accidental fire, including bushfire damage
  • Theft
Roderick Insurance Brokers
  • Accidental loss or damage including trailers and your contents if required
  • Liability to other people for property damage, injury or death that may be caused by your negligence
  • Flood cover
  • Only covers homes inside the Geelong and Werribee region

What to keep in mind when buying relocatable home insurance

You may need cover during the transportation of your house, which a standard home insurance policy does not cover. This is when specialist insurance is often the better option.

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.

Picture: GettyImages

More guides on Finder

  • Aave guide: How to borrow and lend cryptocurrency

    Learn how to get started using Aave for borrowing and lending with this straightforward guide, and understand the risks.

  • Family Home Guarantee

    Your guide to the federal government's Family Home Guarantee, which lets single parents buy a home with a 2% deposit.

  • Investment property tax deductions

    Investment property tax deductions can be worth thousands of dollars – don't pay tax when you don't need to! Brush up on all the claims you're eligible for.

  • How to invest in cryptocurrency

    Learn how to get started investing in cryptocurrency, the methods available to you, and what to keep in mind before making your first purchase.

  • Best multi-tools in Australia

    If you’re looking for a versatile tool to tackle a wide range of odd jobs around the house, we’ll help you find the best multi-tool for your needs.

  • Strata title properties

    What does owning a strata title actually mean? Here's what you need to know.

  • Body corporate fees

    What exactly are body corporate fees and what do your quarterly fees go towards?

  • Warehouse storage

    Find out about the different types of warehouse storage solutions, how much they cost and where to find them.

  • Home office insurance

    We talk you through how to get home office insurance.

  • Boat storage

    How to find safe, secure and affordable boat storage near you.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site