Quick Answer
CSA A277 modular homes on permanent foundations qualify for standard Ontario home insurance — the same as any site-built home. You do not need specialty mobile home insurance. Premiums typically run $900–$1,800/year depending on location and coverage.
Standard Home Insurance — Not Mobile Home Insurance
CSA A277 modular homes are insured as standard homes, not as mobile or manufactured homes. If an insurer tries to classify your modular home as a mobile home, they are incorrect — find a different broker.
What Standard Coverage Includes
| Coverage | What It Protects |
|---|---|
| Dwelling coverage | The home against fire, wind, water damage |
| Detached structures | Garage, shed, deck (typically 10% of dwelling limit) |
| Personal property | Contents inside the home |
| Additional living expenses | Hotel costs if home is uninhabitable |
| Personal liability | If someone is injured on your property |
Construction Phase Insurance
During delivery and crane-set, you need builders risk / course of construction insurance. Ask your insurer about bridging from builders risk to permanent coverage — the transition should be seamless.
Getting Quotes
When calling for quotes, describe your home as: "A CSA A277 certified modular home on a permanent foundation, built in [year]." Do not use the word "mobile."
Major Ontario insurers for modular: Intact Insurance, Aviva Canada, The Co-operators, CAA Insurance (often competitive for 55+ buyers).
Average Premiums
Typically $900–$1,800/year depending on replacement cost value, location, deductible, and endorsements added.
Frequently Asked Questions
Will my insurer charge me more because my home is modular?
No — a properly built CSA A277 modular home should not attract a premium surcharge. If an insurer quotes higher rates solely because it is modular, get a second quote from a broker who specializes in factory-built housing.
Do I need insurance before my modular home is delivered?
Yes — you should have builders risk coverage in place before delivery day. Coordinate with your broker at least 2 weeks before the scheduled crane-set date.
Does home insurance cover the land lease in a 55+ community?
No — home insurance covers the structure you own, not the land you lease. The community operator carries separate insurance on the land and common areas.