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Saskatchewan Mobile and Seasonal Home Insurance
Just like your home or vehicle, you never know when disaster might strike your mobile home or summer cabin. But you can be prepared with the right insurance.
Mobile home insurance
Mobile home insurance is a type of homeowners insurance specifically for mobile homes. It can also be called manufactured home insurance.
A mobile home is a prefabricated residence that includes living space and the means to transport it. This means that mobile homes can be moved from one location to another.
An insurance policy for mobile homes provides coverage for physical damage as well as contents of the home, and many policies also come with an endorsement for personal liability coverage in case someone gets injured on your property.
Mobile home insurance policies work just like a regular home insurance policy.
Who should get mobile home insurance?
Homeowners, tenants, and landlords need to consider purchasing home insurance for mobile homes.
If you’re the owner, a mobile home insurance policy helps cover damage or accidents that may happen to your mobile home.
If you’re a tenant talk to a Knight Archer broker to see the options available to protect your belongings.
If you own a mobile home, or rent one, mobile home insurance should be a consideration so that you can be covered for liability and physical damage.
Do you have enough coverage?
Let's find out.
What mobile home insurance covers in Saskatchewan
In general, a mobile home insurance policy protects your mobile home from damage due to fire, theft, or vandalism, and it covers the cost of repairs in those instances.
The coverage may include things like living expenses following a disaster and/or coverage for your personal belongings.
Coverage on your mobile home is an essential part of keeping you and your property safe. Mobile homes are often more vulnerable to damage than traditional houses because they may not be as sturdy and are sometimes left unoccupied for long periods of time.
Insurance companies that we work with to find you the best mobile and seasonal home insurance:
The cost of mobile home insurance in Saskatchewan
The cost of mobile home insurance depends on what type of coverage you want, the company you choose, and your location.
Other factors that get taken into account when buying insurance for a mobile home include:
- The type of coverage you require
- The size and value of your home
- Your age
- Whether or not you have any previous claims on your record
The best way to know your exact insurance costs is to get a free quote from us. We’re always happy to help you find a policy that meets your needs and budget.
Factors that affect the cost of mobile home insurance in Saskatchewan
The location of your home, the type of construction, the age of the house, and the amount of coverage you need drives mobile home insurance costs.
We’ll ask you for your postal code when you apply for your coverage to determine your location, and you’ll need to disclose any past claims.
If you live in an area with a high crime rate or a flood-prone area, for example, your rates will be higher.
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Get a seasonal or mobile home insurance quote
When you own a seasonal property, getting the right insurance protects your interests. You invested a sizeable amount in your cabin or getaway home, so make sure you don’t lose everything should the unexpected happen.
If you own a mobile home, then you want to protect that with coverage that is going to go far for you and keep your finances safe.
We encourage you to contact us here at Knight Archer for a free quote. We’ll take all the time necessary to make sure you feel comfortable throughout the entire process and completely understand all your options. We want to help you protect your seasonal or mobile home.
If you prefer in-person or over the phone, you can always chat with one of our account executives.
Submitting a mobile home insurance claim with Knight Archer
It’s always stressful when your house gets damaged or your belongings go missing and you have to submit a claim, but we’re here to help make it as painless as possible.
The first step is to call your Knight Archer broker and tell them everything that happened. It isn’t always easy dealing with an insurance company directly and going through your broker means that we’ll take over and contact your insurance company for you. We know what questions to ask to make sure you’ll get everything you’re entitled to from your policy.
We’ll guide you through the process and let you know where you’ll need to show proof of purchase, pictures, and an estimate of the damage.
If you rent out your home, you'll need information about who rented from you and how much they paid. If damage happens because of a natural disaster or an act of terrorism, further investigation will happen. The insurance company will ask for proof that this event took place before paying out any money.
Seasonal home insurance
Seasonal home insurance is the type of coverage you can purchase for just a specific time of year or season. It is also known as seasonal homeowner insurance, seasonal property insurance, seasonal cabin insurance, or lake home insurance. This type of coverage can be used for your lake home, cabin, or any other kind of seasonal property.
You need this coverage to protect your seasonal property against physical damage and liability.
A seasonal property policy typically costs less than a standard annual policy because it only covers the period for which it is purchased - typically between six to eight months out of the year.
Who should get seasonal home insurance?
If you have a seasonal home like a summer or winter cabin, your mortgage company will typically require summer home coverage on the property.
This protects their interests and your interests in the event of any disastrous loss.
What seasonal home insurance covers in Saskatchewan
Any seasonal home can benefit from coverage with cabin insurance.
Areas of coverage include:
- Contents
- The house itself
- Personal property
- Additional living expenses
- Liability
Various coverages and packages exist to ensure that situations like wind damage or a sewer backup get paid for by insurance too. Contact us for a free quote, and we’ll make sure you understand all the options you have and how much you can expect to pay.
What seasonal home insurance doesn’t cover in Saskatchewan
Seasonal or cottage insurance does not cover every issue. Generally speaking, it is only unexpected or sudden losses you can expect to have covered.
Common exclusions include:
- Condensation
- Damage caused by animals
- General wear and tear
- Rust
- Spores and fungus
- Manufacture defects
- Damage to breakable objects
- Contents not kept at the seasonal home
- Vehicles
We’ll go over the complete list of exclusions when we set up your policy up for you.
The cost of seasonal home insurance in Saskatchewan
The cost of seasonal insurance is usually determined by how much coverage you need and what type of policy you're interested in. Price also depends on where your property is.
The only way to know for sure is to get a free quote for your particular situation. Our brokers are happy to help you find a policy that works for you and your budget.
Factors that affect the cost of seasonal home insurance
Several factors determine the price of insurance, including the type of policy, the duration of the policy, and your personal details.
For example, the year your seasonal house was built affects the cost of your home insurance. The type of heating used inside the home has an impact as well.
However, the biggest factor that affects how much your policy costs is the location of your seasonal home which is determined by the postal code. The farther away from a responding fire station your home is, for example, the more you’ll see your seasonal insurance policy cost.
Submitting a seasonal home insurance claim
When it’s time to submit a claim, and you’ve used Knight Archer as your broker, then the process is simple; just call us, and we’ll contact the insurance company on your behalf.
As your broker, we’ll work on your behalf to help you maximize your claim and make sure that you get everything you deserve within the policy limits.
Get a seasonal or mobile home insurance quote
When you own a seasonal property, getting the right insurance protects your interests. You invested a sizeable amount in your cabin or getaway home, so make sure you don’t lose everything should the unexpected happen.
If you own a mobile home, then you want to protect that with coverage that is going to go far for you and keep your finances safe.
We encourage you to contact us here at Knight Archer for a free quote. We’ll take all the time necessary to make sure you feel comfortable throughout the entire process and completely understand all your options. We want to help you protect your seasonal or mobile home.
If you prefer in-person or over the phone, you can always chat with one of our account executives.
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