If you’re interested in park homes and park home insurance, you may find the following points to be useful:

• insurers may differ somewhat in their definitions of what exactly constitutes a park home, therefore, it is important to read your potential policy carefully to understand the insurer’s position precisely;
• having said that, typically insurers see a park home as being your primary place of residence and domicile – not an occasional recreational use facility;
• some policies may take this a little further and specifically say that your dwelling must not be mobile – other variations may include the specification that it is located on a site that has been explicitly licensed by the local authority as being suitable for permanent park home habitations;
• note that the above definitions, however they are worded, typically differentiate between a park home and a static caravan – the latter being effectively excluded from cover, as it is not your permanent place of residence;
• the cover available is typically along conventional lines being related to the building or caravan itself, its contents and possibly third party liabilities;
• park home insurance may or may not cover external elements such as awnings etc – the policy detail needs to be studied to be sure;
• one thing that park home insurance providers may be sensitive about is if your park home is located on a site that has a known history of or vulnerability to, flooding – some may charge an additional premium in such circumstances while others may decline to cover the risk at all;
• as with any form of residential home insurance, the cover provided for contents may vary considerably between providers and policies – some may not cover certain categories of item (e.g. computers) or they may have strict item value limits;
• some residential caravan insurance policies may offer the possibility of various forms of discount for things the insurer may see as sensible practices on your part – these may be worth keeping an eye open for;
• you may find that some policies have very strict conditions relating to what your site must have before cover will be effective – that may include things such as on-site security and supervision etc;
• it is always worth paying attention to a caravan policy’s terms and conditions as these may contain exclusions and limitations that may not be acceptable to you;
• those sections may also outline your responsibilities as the policy holder and if you fail to fully comply with them, your park home insurance may be put at risk and future claims rejected.

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