Mobile home insurance
In the market for a static caravan or mobile home? Perhaps you already own one and aren’t sure how to go about insuring it? Whether you’re looking for residential park home insurance, or you want to insure your holiday home, you’ve come to the right place.
Mobile home insurance
If you own a mobile home or static caravan that you use yourself – or rent out – you’ll need to make sure it’s adequately insured. That way, in the event of a fire, flood or robbery, you can rest assured that you’ll be covered. You can also get public liability cover if you rent it out.
How do I insure my mobile home?
The type of mobile home you have and what you use it for will affect the type of insurance you need.
Most mobile homes are used as holiday homes. If this is how you use yours, then you’re likely to need a static caravan insurance policy.
If you rent out your caravan or mobile home, then you may need additional public liability cover in case your guests have an accident while staying.
On the other hand, if it’s not just a holiday home and you’re living there throughout the year, you’ll need non-standard home insurance if you’re using a static unit as a permanent home.
In this situation, you may need to go to a specialist insurance provider to find the right cover for your home and possessions. Some insurance providers will only quote for caravans located on a park home.
Frequently asked questions
What kind of units can mobile home insurance cover?
Mobile home insurance can cover all kinds of holiday homes and permanent residences, including a:
- static caravan
- single unit
- twin unit
- park home.
What type of insurance cover does my mobile home need?
That depends on how you use it. Is it your permanent residence? Or is it a holiday home? Your quote will be based on how often you live in it, among other things.
Mobile homes – and everything you keep inside them – need the same type of protection as any other house. That’s to say, they need to be covered against:
- Accidental damage
It’s worth remembering that mobile homes are more vulnerable to break-ins and storm damage than solid brick houses, and this could be reflected in your premiums.
What level of mobile home insurance should I choose?
Taking out a standard comprehensive policy means you can relax, knowing that everything from your garden furniture to your freezer contents will be protected. But most insurance providers offer different levels of cover, so you can choose the right policy for you and your mobile home. Most will also give you the chance to add additional options to your policy, if you choose.
What does mobile home insurance cover?
Static caravan insurance will cover the cost of repairing or replacing your holiday home if it’s damaged or destroyed by bad weather. It can also cover your static home’s contents if they’re stolen or damaged.
Do I have to have insurance for my mobile home?
Mobile home insurance isn’t a legal necessity, but if you don’t have it in place you could find yourself with a nasty bill, should the worst happen. When considering whether to take out insurance, it’s worth considering how much your mobile home and its contents would cost you to replace.
Some mobile home parks may insist you have insurance in place before they’ll let you stay there, so you’ll need to check with your site manager to be sure.
How much should I insure my mobile home for?
You should make sure you’re covered for the full cost of replacing your mobile home if it’s stolen, 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 the caravan, then you’ll need adequate public liability cover in case any of your guests get hurt.
Is it worth shopping around for mobile home insurance?
Yes. If your static home’s in a mobile home park, then the site owner might recommend an insurance provider, who’ll give you a quote, but this won’t give you the chance to compare prices and cover to see whether that quote is good value.
If you shop around by comparing prices from multiple providers, there’s a chance you’ll find a better deal.
What should I look for in mobile home insurance?
As a minimum, you’ll want insurance that covers the cost of replacing your mobile home in the event that it’s destroyed by fire or bad weather, or stolen. You may also want cover for the cost of transporting and re-siting your home, if needed.
When looking at contents cover it’s worth checking what contents might be covered under your standard home insurance policy. But always ensure you’re clear on the policy exclusions, as some policies won’t cover high-risk items.
What is BS 3632 and why do I need to know about it?
If you’re planning on buying a mobile home, make sure the model is built to BS 3632 specifications. This is the British Standard for buildings of this type and 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.
How do I find a good deal on my mobile home insurance?
As always, the best way to get a good deal on your insurance is to shop around. Compare the Market’s simple insurance comparison service lets you compare policies from a range of mobile home insurance providers, in a matter of minutes. Compare today and see if you could save.
I rent out my mobile home – do I need public liability insurance?
f you earn an income from leasing out your mobile home, it’s highly recommended that you consider public liability insurance. This covers you should a guest accidentally injure themselves while staying there.
Public liability insurance isn’t a legal requirement, but it could prove invaluable if you have a high-value claim made against you because someone was injured, or even died, while using your mobile home. Standard cover starts at £1.
What else do I need to think about when buying insurance for my mobile home?
Your mobile home insurance doesn’t just have to cover the basics – there are other features that might come as standard, or you can add as optional extras. These include (but aren’t limited to) cover for:
- New for old If you need to make a claim for a piece of furniture, for example, you’ll be covered for the cost of a new equivalent rather than the original purchase value. But remember, some insurance providers will only provide new for old cover for caravans of a certain value. Otherwise, they’ll only pay out the market value in the case of a claim.
- Holiday lets. Provides cover if you rent your mobile property out as a holiday home.
- Public liability insurance
- Freezer contents
- Loss of keys. Includes the cost of having your locks replaced if your keys go missing.
- Legal expenses. Should you find yourself in a costly legal dispute regarding your mobile home.
- Emergency accommodation. If your home becomes uninhabitable, for example, through fire or storm damage.
You should also read the policy small print to check if there are any exclusions, such as wear and tear or pest damage. You might also find that bikes, mobile phones and laptops are excluded from your contents cover.
Do I need to know if my mobile home’s site is at risk of flooding?
Flooding has been an issue for some sites in recent years and, unfortunately, the problem only seems to be getting worse. Your insurance provider may ask you about your mobile home park’s flood history. 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 home owners, so you can be reassured that most policies include it as standard.
What is a park home?
A park home is a mobile home that can be lived in throughout the year and is built to BS 3632 specifications. They usually have a timber frame. A park home can be classed as a person’s main UK residence when it’s on a park or location that holds a residential license. These are issued by a local council.
The advantage of a park home situated in a place that holds a registered residential park license is that it offers protection to its residents with security of tenure, by the Mobile Homes Act.
How much does mobile home insurance cost?
**50% of people could achieve a quote of £135.88 per year for their touring caravan insurance, based on Compare the Market data in November 2020.
***50% of people could achieve a quote of £154.56 per year for their static caravan insurance, based on Compare the Market data in November 2020.
****50% of people could achieve a quote of £265.37 per year for their motorhome insurance, based on Compare the Market data in November 2020.
The cost of caravan insurance reflects the risk the insurance provider faces. The price is determined by several factors. The value of the caravan, how expensive it is to repair or replace, where it’s kept, how it’s secured, your driving history if you’re insuring a touring caravan or motorhome, usage, if you’re a member of a caravan club and whether you’ve made claims in the past can all be taken into account.
When an insurance provider gives you a quote, they’re also likely to consider how old your park home is. Some sites require you to buy a new mobile home every 15 years, for safety reasons. And it’s worth knowing that some insurance providers will only provide new for old cover for caravans of a certain value (otherwise, they’ll only pay out the market value if you make a claim).
An insurance provider will ask if you’re planning to sublet or rent your mobile home to holidaymakers. If so, they’re likely to consider this an increased risk and you might pay a higher premium.
What do I need to get a mobile home insurance quote?
If you’re applying for a quote, you’ll need details of your mobile home’s age and location, along with its size and width. If it’s a static caravan, you’ll also need to know the make, model and market value.
You’ll also need to know the site address, plot number and site security details - including whether the site has a warden, CCTV, perimeter fencing and a secure barrier to entry.
From the Home team
"If you own a mobile home or static caravan, then having the right insurance in place to provide adequate cover should you need to make a claim, will give you peace of mind, whoever’s staying in it."
Why use Compare the Market?
Static caravan cover from £102 per year**
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**10% of people could achieve a quote of £101.19 per year for their static caravan insurance, based on Compare the Market data in November 2020.
^^On average, it can take less than 5 minutes to complete a static caravan quote through Compare the Market, based on data in November 2020.
^^^For the period 1st September to 30th November 2020, 12,477 people responded to the recommend question. 11,706 responded with a score of 6 or above, therefore 93.8% are likely to recommend.Start a quote