If you are wondering what park home caravan insurance actually is, here are a few points that may help.
A park home is typically:
- a dwelling on a formal park home site that typically will be council registered as a park home site;
- a dwelling that you occupy permanently as your normal place of residence (and in which you may be liable for council tax etc);
- somewhere that is connected to mains services;
- subject to supervision and security;
- not mobile.
A park home typically is not:
- a static or any other form of caravan that you occupy permanently (whether connected to mains services or not);
- a static that you occupy occasionally (static caravan insurance provides cover for that type of situation);
- any other form of pre-fabricated or permanent dwelling located on a site that is not formally registered as a park home site.
The insurance implications are typically:
- if you have a park home, then it is highly advisable to think about appropriate insurance cover – and that is provided by park home caravan insurance;
- as it is permanently occupied, your levels of fixtures, contents and fittings may be higher than in a caravan so it may be advisable to assess these realistically when thinking about insurance protection;
- you may be able to obtain some forms of discount if you use additional security features such as alarms, locks and bolts etc;
- if your site is subject to permanent supervision and security then that again may result in some lowering of the insurance premiums;
- some sites may be located in areas that are known to be liable to flooding (this can typically be checked through your local council) and if so, you may find that your insurance premiums will reflect that additional risk;
- flooding dangers do not only relate to rivers and the above may also apply to some coastal or near-coastal sites.
Making sure that you have the right sort of park home caravan insurance cover and protection is only sensible given that your dwelling probably represents a significant investment of your money.