Relocatable home insurance
Your guide to organising insurance for your mobile or relocatable home
Key takeaways
- 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
1 - 2 of 2
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseFinder 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.
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.
FAQs
More resources on Finder
More guides on Finder
-
Home insurance with flood cover
Most home insurers automatically cover floods but make sure you take out cover at least 72 hours before an event.
-
Shed insurance
Shed insurance can cover sheds of all shapes and sizes, as well as their often-valuable contents.
-
How to cancel your home insurance
Cancelling your home insurance is actually quite simple and you can do it at any time.
-
Total Replacement Home Insurance
What’s the difference between total replacement home insurance and sum insured home insurance? Find out here.
-
Does home insurance cover mould damage?
More than you want to know about mould in the home. How to fix it, when the tenant or landlord is responsible for the costs, and whether insurance covers it.
-
Portable contents insurance
Keen to protect your prized possessions while you’re on the go? Portable content insurance could be for you. Learn more about what’s covered and compare your insurance options.
-
Motor burnout insurance
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
-
Home insurance deals
Access the latest home insurance deals and special offers to save further on your policy.
-
Phone insurance – all you need to know
With a variety of insurance options to protect your mobile phone, here's what you need to know.
-
Renters insurance
Find out what renter's insurance is, what it covers and how to find the right policy for your needs.