Park Home Insurance
Park Home insurance is applicable to a living space which is occupied as per a normal place of residence and is based on a local authority approved site. A Park Home is different to a Static Caravan as these are only lived in for certain periods of time rather than all year round.
As park Homes are built differently to a normal bricks and mortar home, there are a different set of codes and regulations that need to be considered. A main consideration is that insurance companies see any home that is built on a large scale and then bought to site as less solid than a home actually constructed at the final destination , as with a normal home.
There are a few details that you will need to consider but there are many companies that provide insurance for your Park Home. One example of what is covered is summarised here;
All contents new for old (except household linen/clothing over 2 years old)
Full accidental damage cover for buildings and contents
Personal possessions (all risks) cover away from the home
Tenants liability cover
£12,000 valuables cover
Underground services damage
£2,500 cover for theft from outbuildings
Subsidence and landslip cover
No claims discount
£1000 pedal cycle cover
£500 frozen food cover
FamilyPlus legal protection
£500 money and credit card cover
£750 for loss or theft of keys
£2,000,000 public liability
£5,000 fatal injury benefit
£25,000 alternative accommodation
£5,000 trace and access cover
Monthly instalments by direct debit
Home Care Emergency Assistance giving home emergency repairs