Wellbeing
Mastering Home and Contents Insurance: A Proven Approach for MHIA Customers
7th December 2023
Specialist insurance for over 50's in land lease communities. Affordable coverage for manufactured homes, caravans, and cabins.
Get a quote now and begin to live your best land lease life.
Specialist insurance at an affordable price. We make it easy, find out how.
Flexible and convenient ways to pay including online, or find out other ways to pay.
We make it simple to lodge a claim. A few details and 10 minutes is all it takes.
MHIA have been insuring residents within land lease communities for over 30 years, we understand the importance of insuring your number one possession - your home. Click below to get a quote.
Cover for your home building and contents, including cover for storm, bushfire and more.
Specialised insurance cover for homes in land lease communities. We automatically include cover that some insurers charge extra for.
Insurance for your cabin, or home built before 1990 - either your permanent residence or a holiday property. We've got you covered.
Cover for your on-site caravan including your annex. Whether it's your permanent residence or a holiday property. MHIA have got you covered.
When you speak to someone at MHIA, you're speaking to a local. We're located right here in Australia.
About MHIA >
Don't pay extra for convenience. You can choose monthly instalments at no extra charge.
Payment options >
Our dedicated claims team are ready to take your call! Need to make a claim outside of our office hours? You can right here on our website.
Lodge a claim >
You can have your cake, and eat it too - all our policies are underwritten by Lloyds of London.
About Lloyds >
We love our community, that's why we sponsor industry awards and support community events.
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Our specialist team are ready and waiting for you to call. No automated robots, no overseas call centres. Real people, ready to help.
You should insure your home for what you believe it will cost to replace in the event of a total loss, plus a buffer for site clean-up. We cannot advise you exactly what to insure your home for, given your unique circumstances. If you need to know an exact price, we recommend you speak to a financial adviser, insurance broker, or your Village Manager.
We have also have a calculator that you can use to get an estimate.
Please note: This calculator is provided by Cordell Information Pty Ltd. No warranties or guarantees of any kind are provided by MHIA.
MHIA recommends speaking to an insurance broker or financial advisor if you require personal advice, including calculating an accurate estimate for your home replacement cost.
Increasing your excess may reduce the cost of your premium, however there are many other factors that affect your insurance premium, including building materials, age of the home etc. Policies are also subject to minimum annual premiums.
MHIA uses the Insurance Council of Australia's standard definition of flood. As of the 18th of June 2012 flood is defined as -
The covering of normally dry land by water that has escaped or been released from the normal confines of:MHIA has been a specialist insurer of land lease homes for over 30 years. We understand the special circumstances under which land lease agreements operate. When we make underwriting decisions such as what categories of protection we offer, we try to make our cover as comprehensive as possible, while continuing to offer an affordable price.
Due to the nature of flooding and the unpredictablity associated with it, we have made the business decision not to cover flood. In doing so we are able to offer more competetive rates to our clients.
Brendan Richards
December 2022
MHIA insurance is so much cheaper than all other insurance companies for retirement villages. I saved over $30 per month!! Good to see they are so assuring about cyber security, obviously on top of their game.
Judy Cole
February 2023
From my initial email enquiry to insure my onsite caravan/annexe MHIA's response was very prompt. The quotation process was easy, staff very helpful and knowledgeable. I have no hesitation in recommending MHIA Insurance.
Susan Ridgway
January 2023
We are heading into our 3rd year with MHIA and their customer service in regard to renewal etc. is top notch. Everything is easy to follow making it a straight forward renewal.
Joanne Ferguson
May 2022
A recent accident in our home damaged my husbands computer, the local computer repair place said it couldn't be fixed so we thought we would claim it on our MHIA insurance policy. The staff at MHIA were so helpful, we claimed online, sent photos of the damage and the report from the repair place and within a couple of days our claim was approved and the money in our bank to buy a new computer. Such great service and the monthly premiums are so much cheaper than many other insurance companies.
Colin Lindsay
October 2022
Thanks for the warning about increased inclement weather due to La Nina. The check list was very handy and we are pleased to say it seems we have kept one step ahead of your suggestions as everything has been done.
Brian Richmond
April 2022
Our experience with MHIA was amazing. From the moment they answered my first phone call we knew we were in capable, caring hands. Everyone we dealt with at MHIA during the five and half months ordeal of having Greg's house repaired after the fire were excellent, thank you MHIA.
Lynette Gullifer
January 2022
I have been dealing with the team at MHIA insurance for a claim and have found the whole process to be very easy and friendly. From claim to settlement less than a week which is great. I can now have my solar back. Once again thank you MHIA.
Pat Kenney
March 2022
I rang MHIA and spoke to a delightful young lady and explained that I had a claim, explained exactly the reason and she went and spoke to claims manager, she apologised for the wait and then advised me what I needed to do. I sent the necessary paper work off (emailed) and within three days claim was approved. Unbelievable and caring service. Would certainly recommend them
Paul Spiteri
March 2022
Called for a quote for home and contents insurance for our new Lifestyle Communities home. They answered all our questions and followed up promptly with a very competitive quote by email which we later accepted. Called them back and arranged monthly payment over the phone for no extra cost. Highly recommend MHIA for their service. Thank you.
Pauline O'Loughlin
May 2022
From the time I made the claim to the final closure ALL the staff I dealt with were polite and professional making this whole process as simple as possible.