Changes to your manufactured home coverage
As part of our commitment to our customers, we’re updating and modernizing our manufactured home coverage.
What you need to do
Please review your policy carefully and contact your broker if you have any questions about these changes.
What you need to know
Here are the key updates that you may see on your Certificate of Insurance (COI) or Summary of Change in your policy package:
| Aviva customers moving to an updated Comprehensive policy | |
| Product Update | What's changing |
| Policy update | Your Manufactured Home policy has been renewed on our updated Comprehensive policy. This may include additional changes to your optional coverage and enhancements. |
| Personal property coverage | Personal property coverage helps protect your belongings, such as furniture, clothing, and electronics. If your belongings are damaged, destroyed, or stolen due to an event covered by your property insurance, this coverage can help you pay to repair or replace them. There may be changes to your coverage for personal property. |
| Detached private structures | Detached private structure coverage protects buildings on your property that are not physically attached to the main house on the property. Some examples include a shed, gazebo, or detached garage. There may be changes to your coverage for detached private structures. |
| Additional living expense | Additional living expenses help you pay for extra costs if you can’t use your residence due to a covered loss, such as a fire or major water damage. There may be changes to your coverage for additional living expenses. |
| By-law coverage | By-law coverage helps you pay the extra costs of repairs or rebuilding your property to meet current building codes after an insured loss. There may be changes to your by‑law coverage. |
| Water damage deductible | There is now a minimum $2,500 Water Damage Deductible that will apply to all standard water damage claims (e.g., broken pipes, sewer backup, and appliance connections), excluding coverage provided under Aviva’s Water Protection Package, which remains subject to its own terms and deductibles. |
| Roof and siding limitation endorsement | Your policy may include a roof and siding limitation endorsement. This means that there are limits on how much your policy pays to repair or replace your roof or siding if they’re damaged. If your roof or siding is damaged by hail or wind, your claim payment will be adjusted based on their age and condition at the time of the loss. This limitation does not apply to damage caused by ice, snow, or sleet. |
Where to find your policy updates
You may find these updates on your Summary of Change in your policy package. Your updated coverage is reflected in your Certificate of Insurance (COI). For further details regarding the changes, please refer to your policy wordings.
Please review your policy carefully.
Questions?
If you have any questions about these updates or want to discuss your coverage needs, please contact your broker.
The content on this page is for information purposes only. For specific information about a product, or exact terms, conditions, coverage definitions, exclusions and limitations, please refer to your insurance policy wording. In the event of a conflict or discrepancy between this page and your insurance policy, the terms of the insurance policy will prevail. All insurance products discussed in this page are underwritten by Aviva Insurance Company of Canada. Certain services are provided through Aviva Canada Inc.’s contracted third-party services providers. Aviva and the Aviva logo are trademarks used under licence by the licensor.