Reviewing Park Home Insurance Options

Getting the most appropriate sort of cover for your home is important, whether you live in a traditional bricks and mortar building or have a park home. The same type of insurance cannot cover these two types of property though and you may typically find that, with a park home, you need park home insurance.

You may additionally need to be mindful that there is also a difference between park home insurance and the cover required for a static caravan

A static caravan is typically used exclusively as a holiday home either by you and your family or on a rental basis. It therefore needs cover based on the assumption that is it used on an occasional basis.

A park home, on the other hand, is your permanent place of residence and needs residential home insurance. In all likelihood you may take your holidays elsewhere.

There may be a number of reasons for the differing types of insurance requirements, including:

• a park home may be of a more substantial build quality that a static;
• it may contain more in the way of fixtures and fittings;
• the contents of your park home may typically be described as everything you own and may include high value items like various forms of electrical gadgets;
• you may also have credit cards, jewellery and cash in your permanent home and these items may typically not be covered by a static caravan insurance policy;
• in monetary terms, the values that your insurance has to cover may be very much higher than the equivalents for a static caravan.

You may find that for your park home to qualify for this type of cover, you may need to have it located on a site that is approved by your Local Authority for use as a residential caravan site. You may also have to have your park home connected to mains services for electricity and water.

At Cover4caravans we are specialists in providing insurance for park homes and through our website (or over the telephone if you prefer) we can help you access park home insurance that may be suitable for you both in terms of the levels of cover provided and the cost – so why not get in touch today?