Key Highlights at a Glance.
| PROVIDER | BEST FOR |
|---|---|
| OBF | – Comprehensive Cover – New‑for‑old cover – €3m public liability (for business owners) |
| AJG | – Highly Rated on Trustpilot – Instant online quotes via global risk network |
| Arachas | – Flood Cover Damage (Depends on location) – Over 16 Incredibly Specialist Insurance covers |
| CUSafe | – Community Members – Credit‑union partner ⭐⭐⭐ – Aggregated deals from 12+ insurers |
| Britton | – Customer Focus & Personal Support due to Small Size – Unoccupied cover – Tenant accidental damage |
What is the Estimated Yearly Cost of Mobile Home Insurance in Ireland?
Britton offer mobile home insurance from as little as €210 per year. But as you can expect, that is only if you choose to insure your home at just the market value, without reporting the assets in the home that also need to be insured in case of damage.
Factors that affect how much insurance you pay per year include:
- AGE – Mobile homes older than 20 years can be difficult to insure. So the older your mobile home, the higher the monthly premium you pay.
- VALUE – According to Arachas, a brand-new mobile home is less likely to experience certain types of claims than an older mobile home.This can lead to a reduction in your premium in certain circumstances.
- LOCATION – ie., proximity to tall trees, proximity to sea, edge of a cliff, area that is well-known to be hit by storms, etc can greatly increase your monthly premium.
1. OBF Insurance
OVERVIEW – Ireland’s longest-established provider, over 40 years in mobile home insurance.
COVERAGE
- “New-for-old” cover abailable – this means that if your insured items are damaged, stolen, or lost, you will be paid the full cost of replacing them with new items of the same type, regardless of how old or worn the original items were.
- Public liability up to €3 million – This is very useful for business owners. Public liability insurance protects businesses from financial loss due to claims made by the public for injury, illness, or property damage caused by the business’s operations.
- Fixtures, fittings, aerials, satellite dishes, veranda, decking and shed are covered .
- Storm cover for anchored/pinned down mobile homes.
- Fire brigade charges up to €1000.
- Transport/removal costs up to €500.
- Alternative accommodation cover up to €500.
EXTRAS – Expert advisers, low excess, yearly sum reassessment.
REPUTATION – 4.2/5 stars on Google
2. Arthur J. Gallagher Insurance
OVERVIEW – Global broker with Irish mobile-home policies via Gallagher brokers.
COVERAGE.
- Fixtures, fittings, aerials, satellite dishes, verandas, decking and shed covered.
- Cover provided for storm damage (unit must be anchored/stayed to the ground).
- Fire brigade charges up to €1,000.
- Available via online instant quotes.
STRENGTH – Competitive sourcing across multiple insurers.
REPUTATION – 4.7/5 from 3000+ reviews on Trustpilot
3. Arachas Insurance
OVERVIEW – Ireland’s largest nationwide insurance broker.
COVERAGE
- Specialised insurance covers for marine, camera, hospitality, sports and 10+ more! View Here.
- Damage to mobile home, contents, fixtures and fittings including outside gas cylinders, decking, awnings and shed is covered.
- Cover for damage caused by fire, storm, theft or attempted theft, vandalism or malicious damage and accidental damage.
- Public liability available and fire brigade fees also covered.
- Restrictions and excess variations apply if your mobile home is unoccupied for more than 7 consecutive days
REPUTATION – 4.4/5 from 300+ reviews on Trustpilot
4. CUSAFE Insurance (Credit Union Broker)
OVERVIEW – broker that partners with credit unions across ireland. Specialises in providing Insurance for over 200 Credit Unions and thousands of their Members. They make use of the strong relationships members have with their respective Credit Unions as leverage to negotiate discounts with the best quality insurance providers.
COVERAGE
- Combined options from multiple underwriters.
- Public Liability up to €2.6 Million
- Ideal for credit union members.
STRENGTH– Tailored deals and good member support.
REPUTATION – Reviews appear mixed (3.5/5) as it seems they are hard to reach and do not respond to emails promptly.
5. Britton Insurance
OVERVIEW – Independent Donegal-based broker providing mobile-home/caravan policies. Real people you can engage with and trust.
If you require insurance ‘on the spot’, they can provide you with cover instantly and issue you all documentation and certificates, there and then. They also offer independent quotations at the most competitive prices available from within the mobile home insurance market.
COVERAGE.
- Mobile home insurance from as little as €210
- Cover for unoccupied periods.
- Optional accidental damage cover for tenants and family.
- Protection for hot tubs.
- Choose from Market Value or New for Old cover.
- Cover for vandalism or malicious damage.
- Low policy excess
- Aerials, fittings, fixtures and dishes covered.
- Cover for storm damage (the mobile home must be stayed/anchored to the ground).
- Claim assistance.
REPUTATION – 4.3/5 from 100+ reviews on Google. (Most 5 star reviews are from recent months so I believe this service is very trustworthy as a result).
Tips Before You Choose a Mobile Home Insurance Provider.
- Compare coverage limits, especially for public liability and storm/weather damage which is quite a commanility in Ireland.
- Consider unoccupied cover if your unit is seasonal.
- Excess levels affect premium and out-of-pocket costs. For context, an insurance excess is the amount of money you are willing to pay from your own pocket towards any claim you make on your insurance policy. Your insurance company then pays the remaining portion of the claim, up to the policy limits. The larger the excess, the less you have to pay per month to your insurance provider since you technically bear most of the damage cost.
- Check for add-ons like accidental damage or transport cover.
- Opt for brokers with on-the-ground support if needed.
- Always insure your Mobile Home for the full reinstatement value of the property (including personal property cost), not just the market value of the mobile home shell.
- Some underwriters offer an additional discount on your insurance policy if you have both your Home Insurance and Car Insurance with the same underwriter.***
- Make sure you avail of any discounts offered for having Smoke Alarms, Neighbourhood Watch or Security Systems installed.
Read more on mobile homes HERE.
