insurance
Why choose MHIA? Understanding the value of specialised cover
2nd September 2025
Proudly supported by Glenn McGrath AO
Specialist land lease home insurance for manufactured homes, land lease homes, cabins and on-site caravans. 30 years experience supporting Aussie retirees with specialist home & contents cover and proudly supported by Brand Ambassador Glenn McGrath.
Get a quote now and begin to live your best land lease life.
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How to payMHIA is the only insurer in Australia focused exclusively on land lease community insurance. For over 30 years, we've worked with homeowners living in manufactured home estates, land lease communities, cabins and on-site caravans. That focus means customers never need to explain what type of home they live in because we already understand your home, ownership model and the unique lifestyle you chose.
Our policies are specifically for land lease living, offering practical cover for homes that fall outside standard residential insurance. From house insurance for manufactured homes to cabins and even onsite caravans, MHIA has got you covered.
I chose MHIA because they understand the unique needs of land lease home owners. They are a local company that has been around for over 30 years and they are specialists in this field.
— Glenn McGrath AO, MHIA Ambassador
MHIA have been proudly protecting land lease home owners for over 30 years and now we’re supported by Australian cricket legend Glenn McGrath as our official brand ambassador. Whether you live in a manufactured home, cabin, or onsite caravan, we understand the unique insurance needs of land lease living. That’s why MHIA offers specialist cover designed specifically for your lifestyle affordable, reliable, and people-focused. We sat down with Glenn to tell him our story, watch it now to find out how we support land lease home owners with their insurance needs.
Find out moreCover for your home building and contents, including cover for storm, bushfire and more. Our home and contents policies are suitable for a wide range of land lease homes, including newer manufactured homes, relocatable homes, cabins and on-site caravans. MHIA cover options are structured to suit both premium-style homes and more modest dwellings, providing affordable protection that aligns with your home type and budget.
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.
MHIA Insurance supports homeowners living in land lease communities across Australia. This includes residents of manufactured home estates, permanent cabins, on-site caravans and relocatable homes. Our customers range from retirees who have downsized into land lease living to homeowners with holiday cabins or long-term on-site caravan residences.
Because land lease homes don't fit neatly into standard housing categories, many general insurers struggle to offer suitable cover. MHIA exists to bridge that gap, providing specialist insurance for Australian homeowners over 55 living that reflects their needs.
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.
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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.
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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 some calculators that you can use to get an estimate.
Open CalculatorsIn some cases, increasing your excess may reduce the cost of your premium. However, pricing for land lease community insurance is influenced by several factors, including the age of the home, construction materials and overall risk profile. All 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 specialised in land lease community insurance 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 unpredictability associated with it, we have made the business decision not to cover flood. In doing so, we are able to offer more competitive rates to our clients.
In a land lease community, homeowners typically own the home itself but lease the land it sits on. MHIA's land lease community insurance is structured around this arrangement, focusing on protecting the home and contents rather than the land. This approach avoids the confusion that can occur with standard home insurance policies.
Yes. The age and construction of a home can influence eligibility, cover options and pricing. MHIA provides house insurance for manufactured homes of varying ages, including older homes, cabins and on-site caravans, with cover assessed on the home's condition rather than a standard housing model.
Onsite caravans and manufactured homes operate differently from traditional houses, particularly within land lease communities. Specialist manufactured home and onsite caravan insurance in Australia is designed to reflect these differences, reducing misunderstandings around cover and helping claims run more smoothly when support is needed.
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.