Looking For The Best Park Home Insurance

One thing worth keeping in mind when looking at an advertisement claiming to offer the best park home insurance, is that in many walks of life what is best for someone else is not, necessarily, what is the best for you.

This applies to insurance as to most other things.

Park home cover needs to provide you with protection suitable for your park home and your lifestyle – not protection that may be someone else’s best park home insurance.

So, what sort of things do some park home insurance policies cover?

Typically:

• protection against various forms of natural disaster (note that if your park home site is situated in a location known for flooding then your premiums may be a little higher);
• the ever-present risks of burglary and its associated theft;
• insurance for your park home may provide you with financial protection against accidental damage to fittings (usually an optional add-on).

To qualify under the category of a park home, typically your dwelling will need to be:

• located on a secure and serviced site that is registered with the local authorities as an approved park home residential area;
• occupied as your normal place of residence.

Sometimes, some people become a little confused over the differences between a park home and a static caravan. Some think that static caravan insurance may be required.

In fact, caravan cover insurance is not suitable for a park home. A static caravan is typically one used by you on a caravan site, for perhaps a few weeks or months per year for holiday and recreational purposes. It is not occupied permanently. You may let it out, too, so that others can enjoy a holiday there.

By contrast, if you are planning to leave your park home empty for an extended period, that may require a review of your insurance because some park home cover policies may require special cover to be put in place and preventative activities to be taken.

In the final analysis, your view of what is the best park home insurance may be driven by things such as whether you wish new-for-old replacement of your possessions in the event of a disaster or market value etc. That is why reading the policy carefully before purchase so as to ensure it is fit for your needs, is always advisable.