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This can included such things as Decking, Verandas, Steps, terraces, porches & skirting. Insurance for a park home, is not always easy to source, many insurance companies do not like the construction of these properties or the fact that many are often only used on a part time basis. We can offer park home insurance insurance for either homes that are used on a full time basis or used as holiday homes or holiday lets. When applying for a park home insurance quotation, you will need to know the construction of your property as this will be taking in to consideration when calculating your quote. The park home itself is usually built on to a steel frame, but the insurance company will need to know the base on which the home is also sited.
In the event your home is destroyed, it will be replaced with a new equivalent—no matter the age of your home. These policies may also include site clearance (clean up & removal of debris where your house is located), re-sitting, delivery and more. Mobile home living has attracted more retirees due to cost and people looking to downsize comfortably. A policy excess of £25 applies to all sections of the policy except subsidence, where an excess of £50 applies. To complete and we can usually get back to you the same day, but please allow 24 hours for a reply.
Frequently Asked Questions
Actually, the emphasis is always on the customer to check and make sure they are insured on the correct basis. If you are insured on the incorrect residential park home insurance policy, you may find you are inadequately covered or not covered at all. Yes, due to the differences in construction between a traditional home and a mobile home.
These specifications have been created to ensure that mobile homes meet health and safety requirements for residential dwellings, and that they are weather resistant and of sound construction. It is not compulsory to take out park home insurance cover but you could find yourself faced with a large bill – or possibly even no home to live in – should the worst happen and you’re not covered. Even if you think you’ve accounted for every risk, accidents still happen and the situation is stressful enough without money worries hanging over your head. Your insured personal property—even belongings found in unattached buildings such as tool sheds—is covered for the cost to purchase new at the time of the claim. The causes of fire in the home are usually caused by faulty appliances or wiring, problems with heating systems, and a lack of care when using ovens or electrical appliances. It may seems slightly unfair that your risk of fire as a park home owner is far greater, as these causes are just as likely in a traditional home.
Protect your home insurance excess
Most park homes are single storey in height, and built in a factory. The main materials used are timber construction, with modern windows and doors, often of UPVC. We have also branched out into other areas of the leisure industry, offering touring caravan insurance, static caravan insurance and motorhome insurance as well as our popular park home and holiday lodge insurance policies. Also, as park homes are a non-standard risk, be wary of companies that seem to offer too good a deal, they could be insuring your home as a ‘bricks and mortar’ property under a standard insurance policy. Park home insurance is a type of homeowner’s insurance created specially to cover park homes, also known as mobile homes, or residential caravans. These homes are considered to be residential structures, not vehicles used for leisure travel.
We will contact you by phone to discuss the quote and send you confirmation by email. Who would you call if a window was smashed or if you lost your only available set of keys? Our team of experts can you give the right advice on home emergency insurance. Professional advice on cover for homes that are occasionally occupied or rented out. Year-round cover whether your property is occupied or unoccupied up to 60 days.
Park Home Insurance Quote Form
Park homes have an advantage over traditional build properties, in that are often obtainable for a fraction of the cost. Once your park home has been, located on it’s site, it is usual to pay the site owner, some form of annual rent. This rent will in part be used for the up keep of the site and of course for the privilege of keeping your home on it’s pitch and for providing services. There are some municipally run sites but if privately owned, the site owner must have a licence, your local authority should be able to help you with details of this.
Ask questions about the policy, so you completely understand what’s covered, what add-ons they have, etc. Be sure to look for insurance providers who specialize in this type of insurance. Online insurance comparison sites are a great way to start your research into mobile home insurance. Park homes are usually considered more eco-friendly, due to being built in a factory all at one time; they also offer energy-efficient living, making utility bills lower. All the key benefits and full details of our policy are available by scrolling down to the bottom of this page. You can also request a quote for your park home insurance online and a member of our sales team will contact you as soon as possible, or you can ring them directly to discuss your policy.
However, there are many reasons why you may want to take out cover. For one, cost — without appropriate insurance, you could face financial repercussions, or worse, lose your home. The cover you need for your park home depends on several factors, including its market value, replacement cost, the value of contents, etc. We’ll talk through these points with you on the phone to help us calculate out how much cover you require.
All residential park home insurance claims are settled on the specific policy in question, so make sure you check yours thoroughly and look for those specific words. You might think of this as a comprehensive policy; however, the details will vary between insurance companies in what is provided under this type of coverage. With park homes becoming a popular home choice, the market for park homeowner’s insurance has also grown and expanded to meet demand. There is often much confusion as to what actually constitutes a park home at all. In essence, this type of building, sometimes also referred to as a mobile home is a prefabricated house that is manufactured off-site then usually taken to it’s park site in sections.
At Intasure, we offer Residential park home insurance to meet your individual needs. Speak to our team today, and we’ll assist you in arranging cover that’s suitable for your park home. A Residential Park Home is, by insurance standards, classed as a non-standard risk; you therefore need a specialist Park Home insurance policy to cater for the specific needs attached to such a risk. Some policies will also replace external locks on your vehicle, park home, and possibly even your office. This is why standard homeowner’s insurance will not protect a park home.
For the best part of two decades, Park Home Insurance Services Ltd has been setting the standard in park home insurance, holiday lodge insurance, mobile home insurance and log cabin insurance. Whether you’re a park home resident or you own a holiday lodge for commercial purposes, Coast has developed several park home insurance policies that are tailored to your needs. As such, it’s difficult to give you an exact figure without better understanding your circumstances. Insuring a park home is a different challenge to protecting brick and mortar homes. That’s why we offer dedicated policies designed specifically for these special properties, considering the unique construction materials they’re built from.
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