Accidental Damage Policy
At MHIA, we offer a specialised form of manufactured housing insurance that suits the way you live. We've designed our insurance products especially for homeowners in land lease communities.
We include the specialised protection you need and leave out the costly bits you don't. Learn more about our manufactured home insurance solutions.
Stress less, we've got you covered.
Additional protection, add these to your policy.
The few things we cannot cover.
Loss or damage caused unintentionally to your home and general contents.
If the appliance is not repairable we will pay the cost to replace the item less 10% per year for wear, tear and depreciation.
Loss or damage caused by explosion or by fire, including bushfire.
Loss or damage caused by theft or attempted theft.
Loss or damage caused by rainwater run-off and loss or damage as a result of power surge caused by lightning.
Our insurance for manufactured homes is built specifically for homeowners in land lease communities — not retrofitted from standard home policies. That means better protection, fewer gaps and cover that actually fits your home and lifestyle.
The benefits of insuring with MHIA include:
Our policies are made for manufactured and relocatable homes, not traditional brick homes, so you're not paying for cover you don't need.
We understand how manufactured housing works, including relocation risks, park living and shared environments.
From accidental damage to fire, theft, storms and mechanical breakdowns, your cover is straightforward and easy to understand.
Choose optional extras like portable valuables or special contents to suit your needs.
MHIA has been protecting Australian homeowners for decades, specialising in insurance for manufactured homes.
Repairs are completed by qualified builders from our trusted supplier network, with a lifetime guarantee on authorised repairs.
Getting covered is simple and stress-free. Here's what to expect when you choose MHIA for your manufactured housing insurance:
Speak with our team online or over the phone to discuss your manufactured home and contents.
We'll help you select the right level of building and contents cover, plus any optional extras you may need.
You'll be issued your Certificate of Insurance, along with access to the PDS and Key Facts Sheet, so you know exactly what's covered.
Once insured, your manufactured home is protected against a wide range of covered events.
If something goes wrong, our experienced claims team will guide you through the process and organise repairs using approved trades.
If your home is in a home park and you permanently live in your home, you will be fully covered.
Your manufactured home insurance policy covers you for rainwater run-off. Unless a flood also occurs within the same 48-hour period and it exceeds the height of the rainwater run-off level.
We will cover the cost of repairing or replacing the water apparatus only if the cause of the leak is a listed covered event. If the apparatus bursts or leaks on its own and the claim is approved, we will cover the cost of repairing the damage caused by the leak, but you will need to fix the leak itself at your own expense.
Yes, our contents insurance covers theft if you forget to lock your doors or windows.
No, our manufactured home insurance policy is designed to cover homeowners only. We will not cover your home for accidental damage if your home is tenanted.
No, We utilise experienced, qualified builders that are part of our supplier network. They offer a lifetime guarantee on home repairs, which ensures the quality and workmanship of the repairs we authorise to your home for the lifetime of your home. If you request a cash settlement of the quoted amount to manage the repairs yourself and we agree, the lifetime guarantee will not apply.
No, we will not cover loss or damage caused by theft or damage by tenants or boarders or anyone with whom you live, or anyone who enters your home with your consent.
Yes. Accidental damage of any part of the home building, or contents within the home is covered. There is no cover for accidental breakage whilst the home is tenanted
We cover mechanical and electrical breakdown for appliances including: air-conditioning units, hot water services, refrigerators, freezers, dishwashers, washing machines, and dryers. If the appliance is not repairable, we will pay the cost to replace the item, less 10% per year for wear, tear, and depreciation. Your basic excess will apply. Please read the PDS for full inclusions and exclusions.
Your carpets and other unfixed floor coverings are covered under your contents sum insured. Please ensure the amount you insure your contents items for includes your personal belongings, as well as fixtures and fittings.
No. We can only accept monthly instalments paid by direct debit from your bank account.
Your home is unique, and your insurance should be too. Choose a provider that specialises in manufactured home insurance and understands the way you live.
Get peace of mind with MHIA today. Contact us to speak with our team and get started.
Ready to get protected? Find out how much you could save by switching to MHIA Insurance.
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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.