Mobile home insurance is not a qualifying product; however, compare prices now and find the right cover for you.
In the market for a static caravan or mobile home? Perhaps you already own one and you’re not sure how to go about insuring it? Whether you’re looking for residential mobile home insurance, or you want to insure your holiday home, you’ve come to the right place.
Mobile homes – often called park homes or static caravans – are considered ‘non-standard’ by most insurance providers. That means they won’t be insured under an ordinary home insurance policy, and you may need to go to a specialist insurance provider to find the right cover.
That depends on how you use it. Is it your permanent residence? Or is it a holiday home Your quote will be based on your level of usage, among other things. Mobile homes and the belongings kept within them need the same type of protection as any other house. That’s to say, they need to be covered against:
It’s worth bearing in mind that mobile homes are more vulnerable to break-ins and storm damage than solid brick-built structures, and that could be reflected in your premiums.
That’s dependent on several things, including where your mobile home is located and how you use it. When an insurance provider gives you a quote, they’re also likely to consider how old your park home is – some mobile home sites make your mobile home every 15 years for safety.
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. If you earn an income from leasing out your mobile home, it could be worth considering public liability insurance. This covers you in the event that a guest accidentally injures themselves while staying there. Public liability insurance isn’t a legal requirement, but it might provide peace of mind.
As with any buildings insurance policy, you should make sure you’re covered for the full cost of replacing your mobile home if it’s destroyed. You’ll also want to make sure the contents are adequately protected in case of fire, damage or theft.
If your static home’s in a mobile home park, the site owner might recommend an insurance provider. But it’s up to you who you decide to go with, and there’s a good chance you’ll find a better deal by shopping around.
Flooding has been a problem for some sites in recent years, and your insurance provider might ask about the flood history of your mobile home park. The site owner/s should be able to give you this information.
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, meaning your property will tick all the boxes when it comes to things like insulation, ventilation and space. You can check your 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 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.