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 want to make sure it’s adequately insured. That way, if a fire, flood or break-in happens, you can rest assured that you’ll be covered.
What is mobile home insurance?
Mobile home insurance can cover the costs of repairing or replacing your mobile home and the belongings you keep in it, if they’re damaged in a fire, storm or flood or stolen. Static caravans can be worth tens of thousands of pounds so it makes sense to ensure your mobile home is protected.
The type of mobile home insurance you’ll need depends on how you use your static caravan – whether it’s a holiday home you escape to in the summer months, your permanent residence or a property you rent out to other holidaymakers.
Before you buy a policy, make sure you check to see exactly what it covers.
What does mobile home insurance cover?
Depending on the policy you choose, your mobile home insurance may cover:
- Theft – of your caravan or its contents
- Damage – caused by adverse weather, storms and floods
- Contents cover – for your furniture and personal possessions
- Accidental damage – to your caravan or its contents
- Home emergency cover – to help with emergency repairs to your gas, electricity or water supply
- Public liability cover – in case someone is injured on your property
- Legal protection – in case you get into a dispute with a neighbour or the owner of the park site where the caravan is parked.
Read the terms of any policy carefully as cover for accidental damage, home emergencies, legal expenses or even your caravan contents may not be included as standard.
You’ll need to notify your insurance provider if you plan to rent out your caravan. And if that’s the case, you’ll want to make sure you’re covered for both intentional and accidental damage by holidaymakers.
What type of insurance do I need for my mobile home?
What you use your mobile home 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. You can compare a range of insurance policies for static caravans with Compare the Market.
On the other hand, if it’s not just a holiday home and you’re living there throughout the year, you’ll need what’s called a park home policy.
Some of the insurance providers you can compare through us can cover mobile homes used as a permanent residence, provided they’re located on a private park that holds a residential licence.
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:
- Static caravans
- Single units
- Twin units
- Park homes
Can I get cover for a caravan I drive?
If you’ll be towing your caravan with you when you go on holiday, you’ll need touring caravan insurance. This can cover you for damage to your caravan while you’re driving.
Can I cover my mobile home with a standard home insurance policy?
No, you’ll need a policy specifically designed for a static caravan holiday home 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.
What is normally excluded from mobile home insurance?
Mobile home insurance will often not cover:
- General wear and tear
- Vandalism – some policies won’t cover your mobile home against graffiti or other acts of vandalism if you rent it out
- Theft – mobile home insurance will often not cover you for theft if you rent out your mobile home, or if the property has been left unoccupied for more than a certain period of time
- High-value contents – bikes, mobile phones and laptops might also be excluded from contents cover
- Smoke damage – policies will often exclude any damage caused by smoking inside the mobile home, whether it’s caused by you or someone renting out your property
You should read the policy small print to check exactly what is and isn’t covered.
Will my static caravan insurance cover my contents?
It depends on the policy. Many static caravan and park home insurance policies will include contents cover, but it’s important to read the terms of any policy carefully before you buy and look out for any exclusions. 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.
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 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.
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 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, 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, the site owner might recommend an insurance provider who’ll give you a quote. However, this won’t give you the chance to compare prices and cover to see if there are any other policies that may be of better value to you.
If you shop around by comparing prices from multiple providers, there’s a chance you’ll find a better deal.
I rent out my mobile home – do I need public liability insurance?
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.
My mobile home is my permanent residence – will mobile home insurance cover me?
If you’re living permanently in your mobile home within a residential park, then park home insurance could be the right choice for you. It’s designed to account for the construction of mobile homes, as well as the complexities of owning the property you live in, while renting the pitch it’s on. You don’t have to go with the insurance provider recommended by the park owner – it’s worth shopping around to find the best policy for you.
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 :
- New for old – if your mobile home is destroyed by something covered by your policy, new-for-old cover will pay out for a brand-new equivalent
- Freezer contents – this covers the cost of food that becomes inedible if your freezer defrosts in a power failure.
- Lost keys
- Legal expenses – if you find yourself in a costly legal dispute related to your mobile home
- Emergency accommodation – if your home becomes uninhabitable, for example, through fire or storm damage
- Home emergency cover
Do I need to know if my mobile home’s site is at risk of flooding?
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 homeowners, so you can be reassured that most policies include it as standard.
How can I reduce the cost of my mobile home insurance?
When you’re looking for mobile home insurance, think carefully about what you want to be covered, to make sure you’re not paying for insurance you don’t need.
One way to reduce the cost of your premium is by increasing the security of your mobile home. Something as small as installing window locks could make a difference. For bigger savings, keep your mobile home in a secure area with security measures in place, such as CCTV and a perimeter fence.
What is BS 3632 and why do I need to know about it?
BS 3632 specifications is the British Standard for buildings mobile homes 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.
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. Park homes must be moveable, and they can’t be more than 20 meters long, 6.8 metres wide and 3.05 meters from floor to ceiling. 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 licence. These are issued by a local council.
The advantage of a park home situated in a place that holds a registered residential park licence is that it offers security of tenure under the Mobile Homes Act.
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.
How much does mobile home insurance cost?
Per year for motorhome insurance**
per year for touring caravan insurance
per year for static caravan insurance****
**51% of our customers were quoted less than £306 for their motorhome insurance in May, 2022.
***51% of our customers were quoted less than £145 for their touring caravan insurance in May, 2022.
****51% of our customers were quoted less than £146 for their static caravan insurance in May, 2022.
What affects the price of mobile home insurance?
The cost of static caravan insurance reflects the risk the insurance provider faces. The price is determined by several factors, including:
- The value of the caravan
- The size of the caravan
- The age of your caravan – older models are normally considered a greater risk because they have more wear and tear, and parts may be harder to source
- How expensive it is to repair or replace – this will depend on the construction type of your static caravan and the availability and cost of the materials used
- Where it’s located – for example, coastal areas might be more at risk from winter storm damage,
- How secure your caravan is and whether you have any additional security features, such as CCTV cameras or smoke alarms
- If you’ve made claims in the past.
When an insurance provider gives you a quote, they’ll consider how old your static caravan 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 static 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 manufacturer, age and location, along with its dimensions.
You’ll also need to give details about the site’s security, including whether it has secure perimeter fencing, a full-time warden and security gates.
Why use Compare the Market?
Static caravan cover from £146 per year****
Get a quote in 8 minutes^^
92.0% of users would recommend Compare the Market to friends or family.^
****51% of our customers were quoted less than £146 for their static caravan insurance in May, 2022.
^^Correct as of June, 2022.
^For the period 1st June to 31st August 2021, 8944 people responded to the recommend question. 8,226 responded with a score of 6 or above, therefore 92.0% are likely to recommend.Start a quote
Mobile home insurance providers
We compare prices for 15 static caravan insurance products from leading providers (correct as of June 2022).
Home insurance expert
“If you own a mobile home or static caravan, it’s important to have the right insurance in place to provide adequate cover should you need to make a claim. This will give you peace of mind, whoever’s staying in it.”