Protect your home-away-from-home with a Safeguard insurance quote that’s tailored for park home and residential mobile homeowners.
What is Park Home Insurance?
Park Home Insurance is a special type of policy designed to cover things like vandalism and weather damage to residential mobile homes.
Park homes (also known as ‘mobile homes’) are built slightly differently to brick-and-mortar homes, so you won’t be able to cover a park home with a standard home insurance policy.
Instead, a Park Home Insurance policy recognises the unique construction of a mobile home as well as the differences in ownership; for example, you could be renting the pitch that your park home lies upon.
What does Park Home Insurance cover?
Our Park Home Insurance is designed to cover most types of loss or damage to provide you with full peace of mind. When you take out a policy with Safeguard, you’ll get:
New for Old Cover - We insure all park homes on a New for Old basis, provided that the sum insured represents the full replacement value as new, at the time of loss or damage. This means that in the event of a loss, we can reinstate your park home as it once was with a model from the current year of manufacture.**
£5 million Public Liability Cover - Covers professional costs and any compensation payments if someone injures themselves on your property and makes a claim against you.
Malicious damage and theft - Get compensation in the event that someone vandalises or steals from your property. **
Weather damage - Covers your park home from things like flooding or storm damage. The availability of flood cover varies by postcode.
Loss or damage by subsidence - If the land underneath your mobile home sinks, you can claim damages with a £1,000 excess.**
Emergency accommodation - If your park home becomes uninhabitable, we can reimburse you (up to 10% of the sum assured) for reasonable costs of necessary alternative accommodation while your building cannot be lived in.
**We will not pay more than the sum insured for each of the premises shown in the schedule.
How much does Park Home Insurance cost?
It’s impossible to state the average cost of Park Home Insurance because it varies significantly between properties.
The price you’re quoted will be unique to your situation and depends on a number of different factors, including:
Location - Park homes on secure sites in areas with a low crime rate are often cheaper to insure than those which aren’t.
Size - The larger your mobile home, the more it will cost to replace should it be damaged beyond repair, so insurers will quote a higher premium.
Age - Older park homes will likely have incurred more wear and tear, so they’re deemed a higher risk than newer models.
Value - Mobile homes with a high market value often cost more to insure as a result.
Safety devices - You may be able to reduce the cost of your Park Home Insurance if you fit your mobile home with safety devices like smoke detectors and burglar alarms.
Why choose Safeguard Park Home Insurance?
At Safeguard, we have over 30 years’ experience selling specialist insurance policies to owners of caravans and park homes. Our policies are expertly designed to provide all the coverage you need, all with industry-leading customer service: that’s why our customers rated us ‘Excellent’ on Trustpilot.
Better still, choosing Safeguard means you’ll also get help whenever you need it with our professional claims helpline
How to get a quote with Safeguard
Getting a quote for your Park Home Insurance is easy with Safeguard UK. You can get a quote online in minutes with our simple three-step process:
Tell us a bit about you
We’ll ask for some details like your name, date of birth, and contact details. We’ll also ask whether you’ve made any claims in the last few years.
Tell us about your park home
The more we know about your park home, the better we can tailor our quotes to your specific needs. We’ll ask for details like where your park home is located, how it’s being used, and what kind of security features it has.
Tell us what cover you need
Tailor your policy by telling us what level of cover you need. That way, you’ll be compensated accurately should anything happen to your mobile home while you’re covered by a Safeguard policy.
Frequently asked questions
Is Park Home Insurance compulsory?
There is no legal requirement to have Park Home Insurance. However, failing to have a policy in place means you run the risk of significant financial loss and even having no home to live in should the worst happen.
How much should I insure my park home for?
You should insure your park home on a New For Old basis; that is, to the value of a current-year manufacture of the same or similar make and model of your park home. This means we can reinstate it as it once was should you lose your home to damage. To avoid the risk of financial loss, you should also insure any valuable contents you keep inside your park home, too.
Does my cover include a policy excess?
Safeguard Park Home Insurance policies come with a compulsory excess of £100. You can add a voluntary excess on top of this amount if you choose. There is also a £1,000 subsidence excess and a £250 escape of water excess.
Do I have to pay for my Park Home Insurance policy all in one go?
No. When you take out a policy with Safeguard, you have a variety of different payment options to choose from, whether you’d prefer to pay in monthly instalments or you’d rather pay annually.
How long can I leave my park home unoccupied while on a Safeguard policy?
If your park home is going to be left unattended for more than 30 consecutive days during the policy year, the park home needs to be inspected internally and externally.
What happens if I have a legal dispute with the park owner?
You can stay protected from legal disputes with park owners by adding our optional Legal Cover to your Safeguard policy. Legal Cover can provide you with up to £50,000 to protect you from claims against individuals who supply you with defective goods or services and contractual disputes over the purchase or sale of the park home. It also covers compensation payouts for any personal injury claims made against you relating to your park home.