What Makes The Best Park Home Insurance?

Here are a few tips in terms of thinking about the best park home insurance.

• it is worth remembering that best is a subjective word – concentrating on your requirements and what a policy will do for you is typically a better approach than thinking about what someone else is saying is best for you. That is, what you consider to be the best park home cover for you may be different to what your neighbour considers is the best policy for them;
• park homes typically require specific park home insurance – they are not static caravans, which typically need static caravan insurance;
• to avoid possible confusion, remember that in insurance terms, static caravans are typically not permanently occupied and are only used for holiday purposes for a number of weeks per annum;
• a park home typically is one that is a permanently occupied residential dwelling located on a site formally recognised as a park home location by the local council and other authorities – if yours is not then it may not be considered a park home for insurance purposes;
• remember that if disaster strikes your park home, then you may not consider a policy to be the best park home insurance unless it will provide alternative accommodation for you and anyone else that lives there;
• some policies may require a higher premium to be paid if your park home is located in an area prone to flooding however such cover may be important in view of current concerns over climate change and the potential increased risk of flooding in many places;
• some park home insurance may cover your contents and possessions against theft and destruction as well as offer optional cover for accidental damage on a new-for-old basis while others may only offer market value replacement – there is a significant difference between the two and it may well be worth checking and noting.

Deciding what is best for you is not always an easy thing to do.

A typically useful approach is to sit down and make a list of those things that could happen to your home and what you’d like by way of protection.

You can then use that list to help you search for what you consider may be the best park home insurance for you.