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Mobile Home Insurance

Protect your investment and belongings.

Many BC mobile homes have unique features and requirements that need specialized insurance coverage. As a local BC insurance provider, our experts take the time to get to know you and your home better and build the best, customized policy to fit your needs. Get coverage for the financial protection of your home and the contents inside. Plus, BCAA Members can save up to 20%.
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Plan Benefits​

The unexpected can happen — whether it’s caused by you, or a neighbour. If there’s a fire, theft, burst pipe or a tap left running, save your wallet from taking a hit with BCAA.

Fire and Smoke
Fire and Smoke

Security for your home and belongings if they are damaged or destroyed in a fire.

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Bad Weather

Major weather events are becoming more frequent, more severe and less predictable. Get covered for damage from wind storms and find out if you’re eligible for Flood coverage.

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Crime and Vandalism

Your favourite belongings are in your home. Make sure you're covered if anything is damaged or taken from your home due to theft.

Personal Liability
Personal Liability

Personal liability provides coverage for accidental damage or injury you cause anywhere in the world.

Water Damage
Water Damage

You're covered for things like if a pipe bursts under your sink, or if water suddenly escapes your washing machine destroying your hardwood floors.

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Specialty Items

Provides protection for important personal items like jewellery, watches, bikes, computers and cameras. Some items are subject to special limits of coverage like bikes, up to $2,000.

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Extra Bylaws 

If you suffer damage to an older home, we provide coverage in case you have to rebuild to current by-law standards.

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Additional Living Expenses

When you’re out of your home due to a claim, your extra expenses are covered. We have options to increase your limit to fit your unique needs.

Optional Coverages​

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Earthquake Coverage

With over 1,200 earthquakes every year in BC, whether it's a tremor or when the big one hits, you'll want to protect your home and your belongings.

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Roof Guard
Extended Water Coverages

Protect your home from damage caused by external drains, water that enters your home through an opening in the roof, around windows and skylights, overflow of fresh water and accumulation of surface water.

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Zero Glass Deductible

In the event of an accidental glass claim, you won’t need to pay your standard policy.

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Cyber Coverage

With online security risks on the rise, get protection for the costs and damages arising from incidents like identity theft, online fraud and home system compromise. Plus, you'll have access to 24/7 phone support in the event you suspect you've been the target of a cybercrime.

How Can You Save with BCAA?

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Save 10% as a BCAA Member on any policy​

Members save an average of $190 on BCAA Home Insurance with this discount.

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Save up to 10% with BCAA Member loyalty savings

If you’re a BCAA Member, save an additional 1% for every year you’ve had your home insurance policy with BCAA — up to an additional 10%.

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BCAA Members save $100 with BCAA Home & Car Insurance

Get $100 of savings when you bundle BCAA Home and BCAA Optional Car Insurance as a BCAA Member.

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Save up to 20% when you’re claims free

Your claims history can play a part in lowering your premium. When you share your claims history during your quote, we'll calculate any savings you may be eligible for.

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Adjust Your Deductible​

A deductible is the amount you need to pay in the event of a claim. Increase the deductible to save more on your policy.

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Home Safety Systems

Having fire sprinklers, automatic water shut off, intrusion alarms and other home safety systems can help you qualify for extra savings.

Why Choose BCAA Home Insurance?

BC Based
BC Based

Our trusted advisors, call center and 24/7 emergency response teams are based in British Columbia, which means we’re easy to reach when you need us. ​

Trusted Experts
Straightforward & Trusted Advice​

We’ll ask the right questions to shape a policy tailored to your unique living situation. Quote and buy online, via phone or in-person at our BCAA Service Locations across the province. Expert advisor support is available on your channel of choice.

Ways To Save
Valuable Ways to Save

BCAA Members save up to 20%. Plus, you can reduce your premium with our claims-free discount, bundling options and more.​

Saving the Day
When It Goes Wrong, We Make It Right

Have peace of mind that you are covered in the event of a claim knowing that BCAA paid out over 95% of claims related to fire, water, weather and theft *.

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Purpose-Led

BCAA is committed to protecting our province and its people, through community initiatives like improving our wildfire resilience with FireSmart BC.

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Protect your home and what's inside

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BCAA Blog

Offering expert advice, useful articles, inspiring stories and simple tips to help you navigate life’s many roads.

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July 6, 2020 Tag Icon A light icon that looks like a tag Travel
Your ultimate guide to safe road-tripping in BC this summer
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September 13, 2021 Tag Icon A light icon that looks like a tag Automotive
How to get your RV ready for summer
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July 7, 2020 Tag Icon A light icon that looks like a tag Automotive
Avoid common RV and trailer breakdowns with these tips
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*From 2022 to 2023, BCAA paid out over 95% of home insurance claims related to fire, water, weather and theft. Past performance is not a guarantee of future results.