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, if a fire, flood or break-in happens, you can rest assured that you’ll be covered. You can also get public liability cover if you rent it out.
What is mobile home insurance?
Mobile home insurance can cover the costs of repairing or replacing your mobile home itself, and the belongings you keep in it, if they’re damaged in a fire, storm or flood or stolen.
Mobile home insurance may also include public liability cover, which can give you financial protection if someone is injured on your property.
Before you buy a policy, make sure you check to see exactly what it covers.
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
What level of insurance cover does my mobile home need?
Mobile homes themselves – 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:
You may want public liability cover if you rent out your your mobile home. You may also want cover for the cost of transporting and re-siting your home, if needed.
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 the price of your insurance.
What is normally excluded from mobile home insurance?
Mobile home insurance will often not cover:
- General wear and tear – most policies won’t include cover for damage that happens gradually over time
- 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 – check your policy carefully to see what contents are covered. High-risk items and cash may be excluded
- 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 if any exclusions apply. You might also find that bikes, mobile phones and laptops are excluded from your contents cover.
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 it, or your 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 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 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?
If you earn an income from leasing out your mobile home, it’s highly recommended that you consider public liability insurance. This covers you if a guest accidentally injures 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.
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 (but aren’t limited to) cover for:
- 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. Market-value cover will pay out the current market value of your mobile home. But remember, some insurance providers will only provide new-for-old cover for mobile homes of a certain value and a certain age. Otherwise, they’ll only pay out the market value in the case of a claim.
- Freezer contents – This covers the cost of any food that becomes inedible if your freezer defrosts in a power failure.
- Loss of keys – Includes the cost of having your locks replaced if your keys go missing.
- 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 which can help cover the costs of emergency repairs
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.
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. To make sure you’ve got adequate cover in place you’ll need to work out the cost of replacing your mobile home – in case it’s damaged beyond repair – and the value of any contents you want to be covered.
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 like CCTV and a perimeter fence.
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.
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**
£107 per year for touring caravan insurance
per year for static caravan insurance****
**50% of people could achieve a quote of £310.25 per year for their motorhome insurance, based on Compare the Market data in June 2021.
*** 50% of people could achieve a quote of £106.41 per year for their touring caravan insurance, based on Compare the Market data in June 2021.
****50% of people could achieve a quote of £154.56 per year for their static caravan insurance, based on Compare the Market data in June 2021.
The cost of static 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 located 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 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 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/or a secure barrier to entry.
Why use Compare the Market?
Static caravan cover from £155 per year**
Get a quote in 5 minutes^^
92.4% of users would recommend Compare the Market to friends or family.^^^
**50% of people could achieve a quote of £154.56 per year for their static caravan insurance, based on Compare the Market data in June 2021.
^^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 March to 31st May 2021, 9,781 people responded to the recommend question. 9,033 responded with a score of 6 or above, therefore 92.4% are likely to recommend
Mobile home insurance providers
We compare prices for 11 static caravan insurance products from leading providers (correct as of November 2020).
From the Home team
“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.”