Mobile home insurance

Mobile home insurance can cover all kinds of holiday homes and permanent residences, including:

• Static caravans

• Single units

• Twin units

• Lodges

• Chalets

• Park homes

If you’ll be towing your caravan with you when you go on holiday, touring caravan insurance is a good idea. This could cover you for damage to your caravan while you’re driving.

No, you can’t use home insurance for mobile homes. You’ll need a specific mobile home insurance policy for a static caravan or park home.

Mobile homes are built differently to standard bricks-and-mortar properties. And they face different risks that insurance providers will need to take into account.

Whether or not your static home insurance covers your contents will depend on the policy you choose.

Many static caravan and park home insurance policies do include contents cover. But it’s important to read the terms and exclusions carefully before you buy.

Make sure you have enough cover for all your possessions, including any expensive sporting and electronic equipment you’ll be storing in your mobile home.

Park home insurance isn’t a legal necessity. But if you don’t have it, you could find yourself with a nasty bill if your mobile home or possessions are damaged or stolen.

Some mobile home parks may insist you have insurance before they’ll let you stay there. So, you’ll need to check with the site manager to be sure.

You should make sure you’re covered for the full cost of replacing your mobile home if it’s destroyed or damaged beyond repair. You’ll also want to make sure that the contents are fully protected in case of fire, damage or theft.

And, if you rent out your caravan, you’ll need adequate public liability cover in case any of your guests get hurt.

Yes, shopping around for mobile home insurance is one of the easiest ways to find the cover you need at the right price.

If your static home’s in a mobile home park, the site owner might recommend an insurance provider who’ll give you a quote. But you don’t have to follow their suggestions.

Compare prices and cover levels and weigh up what cover you need and whether it fits with your budget.

When you compare caravan insurance with Compare the Market, we show you policies from some of the UK’s most trusted insurance providers. So, you can be sure you’re getting a great deal on your residential park home insurance.

Public liability insurance isn’t a legal requirement, but it could prove invaluable if someone makes a high-value claim against you. For example, if someone’s injured, or even dies, while using your mobile home.

If you’re living permanently in your mobile home within a residential park, then park home insurance may be right for you.

It takes into account the complexities of park home construction and ownership, as well as the rental of the pitch it’s on.

Remember, you don’t have to go with the insurance provider recommended by the park owner. It’s worth shopping around to find the right policy for you.

Your insurance provider may ask you about your mobile home park’s flooding history, so it’s important that you know about it.

The site owner/s should be able to give you this information. It’s also worth visiting the government website to check the risk of flooding.

Storm damage is a common concern for mobile homeowners, so you can be reassured that most policies include it as standard.

BS 3632 is the British Standard for building mobile homes. It means your property will tick all the boxes when it comes to requirements like insulation, ventilation and space.

You can check your static caravan or mobile home’s BS 3632 status by finding out if the manufacturer belongs to the National Caravan Council (NCC). Any home that’s NCC accredited will have passed the necessary checks.

As always, the best way to get a good deal on your park home insurance is to shop around.

With Compare the Market’s caravan insurance comparison tool, you can compare policies from a range of mobile home insurance providers in a matter of minutes.