Manufactured Home Insurance

Affordable coverage for every shape and size of manufactured home

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We insure over 860,000 homes across Canada

Feel secure with our manufactured home insurance coverage, whether you live there year-round, seasonally or rent it out. Aviva covers mobile homes, manufactured homes, modular homes, tiny houses, mini or double-wide homes.  Manufactured home insurance is available exclusively through Insurance Brokers. 

Choose the right coverage

Enjoy standard features and choose from optional types of coverage

Optional coverages

Need enhanced coverage?  Consider these add-ons when you purchase.

To learn more about these options contact your insurance representative. 

Overland water protection

Overland water coverage is a key part of Aviva Water Protection, which also includes your base policy water protection and sewer back-up coverage.

Home protect bundle

Add another layer of protection for your manufactured home insurance. This bundle has three important features to help you protect your home even more.

ID theft

Protect yourself from this common crime. Coverage can include: enhanced credit and debit card coverage, lost income protection, legal fees and more.

Guaranteed Replacement Cost for newer homes

We offer owners of newer homes the option to get the cost to replace your property in today’s dollars with Guaranteed Replacement Cost. If you have an older home, you can get the full cost to rebuild up to the policy limit.


Combine and save

Enjoy the added convenience of aligned renewal dates and receive your policies in a single envelope when you combine your auto and manufactured home insurance policies. You’ll also enjoy additional coverage and extra savings.

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The manufactured home insurance you need

With Aviva's manufactured home insurance, you'll get:

Coverage that matches use of your home

You’re covered whether it’s a year-round home or seasonal retreat, custom dream home or you’re longing for simpler living.

Options for claim settlement

When it comes to paying claims, we offer owners of newer homes the option to get the cost to replace your property in today’s dollars with Guaranteed Replacement Cost, or the full cost to rebuild (up to the policy limit).

Coverage for expenses due to a claim

You’re covered for expenses you incur if you can’t stay in your home because of a claim.

Frequently asked questions

We answer your questions on manufactured home insurance

How is my Manufactured Home insurance coverage different from what I'd normally get under my home insurance?

With Aviva’s Manufactured Home insurance, you get protection for your home and belongings similar to a standard homeowner’s policy. Then you can also add coverage for everything that goes with your lifestyle: golf carts, outdoor sheds, yard equipment and more.

I have a mortgage on my home. What happens if I have to refinance it after it was rebuilt as part of a claim?

All of our policies for manufactured homes include no-charge Mortgage Rate Protector, which covers any extra costs to refinance the property if interest rates go up.

I'm planning to rent out my manufactured home. What do I need to do?

You need to first determine whether or not you plan on renting your home on a long-term basis or on a short-term basis (e.g. through a home sharing network like AirBnB). Depending on the type of rental, you may require different policy coverages and your policy can be customized accordingly. 

I'm planning to do some renovations, what do I need to do?

It's important to let us know before you start your renovations. We need to understand the type of renovations you're planning, so that we can ensure you have the right type and amount of coverage in place.

I only use my home on a part-time basis in the summer. Do you still offer coverage for it?

Whether it’s a year-round home or seasonal retreat – we provide coverage that matches how you use your manufactured home. That includes a range of discounts depending on the age and type of your home and your claims and mortgage status.

How much will you pay to replace my home if it has to be rebuilt after a claim?

We offer owners of newer homes the option to get the cost to replace your property in today’s dollars with Guaranteed Replacement Cost. If you have an older home, you can get the full cost to rebuild up to the policy limit.

How is the value of my home calculated?

Many factors are taken into account to calculate your home's value, including its total square footage, location and architectural features.

What is a deductible?

A deductible is the amount you are responsible for paying if you have a claim. 

Can I switch or cancel my policy mid-term?

Yes, you can switch or cancel your policy mid-term; keep in mind that cancellation and administration fees will apply if you cancel before your policy term has ended. These fees vary based on the terms and conditions in your policy. In order to avoid these fees, it's highly recommended that the switch takes place when your policy is due for renewal.

Are there any discounts for having more than one policy with Aviva?

We offer multi-policy discounts that could greatly reduce your overall premium. For example, we offer a 10% discount on both your home and auto policies if you have both insured with Aviva. On the other hand, we also offer our 15% combined policy discount.

The combined policy packages at least one auto policy and one homeowner's policy, together in the same envelope. This will help you coordinate your policy renewals and manage your insurance needs all on the same date. Our combined policy also comes with extras -- talk to your Insurance Broker to learn more.  

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