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Guide To Residential Park Home Insurance

By Wajahat Raja
Wajahat Raja
Wajahat Raja Insurance Expert

Wajahat is an accomplished writer with a drive for finance and content creation. He has an MSc in Accounting and Finance from the University of Northampton. He has a keen interest in exploring a variety of topics like subjects insurance, private equity, and investment banking. His work demonstrates his passion for writing informational pieces which make him an asset in the field of finance

Expertise: Finance, Insurance, Home Insurance, Public Liability
from the MultiQuoteTime Editorial Team July 2023

Park home insurance is for your holiday home to be safe when you are away. This makes it possible for you to escape the crowded urban area and go for a visit and relax. The use of a park home or as many call a residential caravan has been enjoyed by UK citizens for decades as an escape for the weekend or longer from the hustle and bustle of the congested urban environment gets too much.

park home insurance

If you are lucky enough to be the owner of a residential park home, it is vital to obtain park home insurance. The policy will protect your investment and personal belongings, ensuring you have appropriate coverage for the unique risks and circumstances specific to park home properties.

What Is Park Home Insurance?

Park home insurance is financial protection just like what you have at your primary residence to help cover the costs if a problem or event causes damage. The biggest difference between park home insurance and the policy that protects your primary residence is the park home is not constantly occupied.

What Does Park Home Insurance Cover?

The park home insurance policy provides financial protection if an unwanted and accidental event causes damage to the structure and repairs or repurchase is needed. There is generally no rebuild of a park home since they are mainly prefabricated homes and purchasing a new or used one by the insurance company makes more economic sense than rebuilding one. The policy will cover the following events;

  • Fire
  • Flooding
  • Subsidence
  • Theft
  • Accidental damage
  • Vandalism
  • Act of nature

Is There Anything Else Protected Other Than The Structure?

  • Public liability protection can be included with a standard residential park home policy. This is protection is normally up to £5 million if a third party files a claim that they have been injured on your property or their property is damaged.
  • The permanent contents of the home may also be covered. This normally includes fixtures, HVAC units, along with built-in and fixed appliances as with stoves, dishwashers, washer and dryers along with refrigerators. Most policies also include large items like beds, sofas and other large furnishings.
  • Outbuilding, fencing, awnings and other permanent structures other than the main home can also included as contents.
  • The replacement of locks and keys is covered by some policies, normally with an upper limit in the region of £750.
  • If required, legal cover can be included to provide the funds if a civil case is filed against you or another type of claim where a lawyer or solicitor needs to be hired.

What Happens If My Park Home Is Destroyed?

When a residential park home is destroyed by an event like a fire, flooding or other event and is not inhabitable, the debris left behind has to be removed. This debris removal should be covered in standard park home insurance policies. The cost of resitting a new park home and the reconnection of the utility lines like water, gas and electricity should also be covered. Some policies also cover the transportation of the new park home to a new site.

Are My Personal Items And Contents Protected?

When the park home is occupied personal items are protected, but during the unoccupied times when you are at your primary residence, they should not be present in the park home and are not covered. Items that have a value of more than £1500 are considered high risk and are rarely covered.

To help reduce the cost of residential park home insurance, all portable items should be removed from the premises when it is to be unoccupied to reduce the attractiveness to thieves. This should include clothing, cell phones and like items that can be easily picked up and transported back to your main residence.

How Long Can My Park Home Be Unoccupied And Still Be Covered?

Most insurance firms allow for a residential park home to be vacant for up to 2 consecutive months and still be covered by the standard policy. Some insurance firms allow for the status of being unoccupied for periods of up to 8 months, but certain provisions have to be complied with for this to be true. If a standard home is vacant for a period of 30 days or more, your home insurance may become invalid. Please check the policy details, unoccupied house insurance is available for house that will be vacant for 30 days or longer.  

A residential park home insurance policy is not required by UK law, but is required by caravan parks where the park homes are located. Each company issuing this type of policy has its own terms and conditions, but the above is included by most of them.

Park Home FAQ's

Why is park home insurance so expensive?

The cost of park home insurance will vary and depend on a number of factors, as listed below.

  • The value of the property, the more expensive, the higher the premium
  • The Location : Is it located in a high risk area, an area prone to flooding or subsidence for examples
  • The level of cover you choose, the more compressive that more the final policy will cost.
  • Your claim's history, if you have a history of making claims it is likely you will be charged mote by an insurance company

What do Residential park home site fees include?

Park home fees also referred to as Pitch fees, will cover a range of items provided by the site manager, below we have listed some of the more common fees that you are typically included in Park home fees.,

  • Grounds keeping and Maintenance: This fee will be sued to upkeep the appearance of the park, mowing grass trimming hedges, maintaining fences and general upkeep are all good examples
  • Gated Security : Park homes are normally gated communities with an entrance that is manned by a security guard who will check credentials before allowing any vehicle to enter. The security will also patrol the park during the day and night.
  • Park Management Services :  This will pay the management staff that look after all the administration side of things. The management can also play a role in resolving disputes, stipulating and enforcing park rules, scheduling and managing special events with a goal of making the park. Hopefully resulting in harmonious park community.
  • Park Facilities: These will vary, but most parks will have a communal pool and exercise area. Some may even have a beauty salon, a restaurant, fitness centres and sports facilities. These must all be maintained and upgraded as necessary.

What Are Classified As Park Homes

A park home is a term that covers many different building types, a log cabin may first come to mind, but that is just one example of what can be on included under the term park home. Below we have listed the most common types of park homes 

  • Holiday Lodges: These tend to be large park homes that are primarily let out during to either families or groups. They will have multiple bedrooms and bathrooms possible on suite. They will also offer spacious living area and an outdoor relaxing / BBQ area. 
  • Static Caravans : we are all familiar with the static caravan. These work out cheaper than park lodges and are ideal for family holidays during summer and school breaks.
  • Retirement Park Homes:  These are beginning to sprout up everywhere as they are popular with retirees looking the easy life amongst friends. The gated community is ideal as you do not have to worry about security and many other factors that are associated with a standard property.
  • Eco-Friendly Park Homes: Most new park homes are constructed in a way that is eco friendly. They are designed tobe energy efficient with features that include solar panels, fully insulated and energy efficient appliances. Whilst the outlay may be more expensive, the ongoing cost for energy will make soon makeup for the extra cost.
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