Relocatable home insurance
Living in a transportable building? Relocatable home insurance protects your movable house.
We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .
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.
|Roderick Insurance Brokers|
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.
More guides on Finder
Rangehood installation services
Learn about rangehood installation services and how to find a book a quality service online.
Oppo Watch review
Despite its obvious copying of Apple's Watch design, Oppo's Watch delivers the goods if you're keen on an Android Wear watch to cover the smartphone basics in a stylish way.
Free Website Terms and Conditions templates (Australia)
Make sure you’re covered legally with a Website Terms and Conditions template.
How to start a small business from home
6 tips to start a successful home based business.
Pets in apartments: Sydney ruling sparks insurance questions
The NSW Supreme Court has given the go-ahead for pets in apartments. But there are things to consider before moving a furry friend into your home.
Air Conditioner Installation
Here's everything to consider if you're looking for an air conditioner installation service.
How to use a backloading service to save money on moving items over long distances.
La Niña warning for Australian homeowners
Just when you thought 2020 couldn't get any worse, the Bureau of Meteorology has declared a La Niña event.
Mould Removal Services
Read our guide to mould removal services and take action before mould gets the better of your home or place of work.
Pool Cleaning Services
Learn more about professional pool cleaning services and whether they're right for you.
Ask an Expert