Park Home Insurance

We've been providing park home insurance as your local broker for over 30 years.

Since 1993 Howden Insurance have been providing park home insurance policies to communities across the UK as a local insurance broker.

To achieve this, we work with specialist park home insurers across the industry and compare policy options on our clients' behalf, based on what they tell us they expect to get from their cover. Regardless of the park home you need to insure, and whatever budget your is, we'll do everything we can to help you get your hands on a comprehensive policy.

Our team acknowledge that each policy needs to be as individual as its owner and their park home, and that’s why we provide a bespoke, personalised service, which focuses on getting to know you and finding out exactly what you want from your cover.

To get a quote, you can either give us a call, submit a call-back request on our website, or visit us in your local Howden branch.

What does park home insurance cover?

• Protection in the event of adverse weather or floods.
• Contents if they are lost, stolen or damaged.
• Against vandalism or malicious damage.
• Compensation claims or any legal costs you take on following a third-party claim.
• Agreed amounts for you to stay in temporary accommodation, if needed.
• For damage caused by fires.

What is park home insurance?

A park home insurance policy is a specialist type of cover for park home owners who reside in their park home as their main residence. These homes are different from standard brick-and-mortar houses, so they require specific coverage tailored to their unique structure and living environment.

You can get a park home insurance quote with us and expect to receive the same perks that come with insuring a typical home, but under a specialist cover.

Read more here: What is Park Home Insurance?

What is a park home?

You might’ve heard park homes being referred to as ‘mobile homes’, as they have been previously known. Over 85,000 people live in park homes across the UK as their main residence.

Park homes are typically single storey, detached residential properties found in a gated community or a protected site of land which is privately owned.

Do I need park home insurance?

No, having a park home insurance policy is not compulsory. However, we do highly recommended that you get your park home insured to cover yourself against any damages, theft, or accidents which could leave you out-of-pocket. Ultimately, it’s similar to standard home insurance in that it’ll cover you in the event that your investment faces financial hardship.

Without park home cover, you risk being left responsible for replacing or making emergency repairs on your park home if it gets damaged.

What does a park home insurance policy include?

Here’s an overview of things that you could expect to be covered and included within your park home insurance policy:

• Extended accidental damage cover is sometimes included at no extra cost for your park home structure. Contents cover and Personal Possessions cover is also sometimes included at no extra cost.
• Public liability insurance is usually provided at a minimum sum insured of £5 million. This covers you in the event of a claim from a third party for injury or damage to their property which you’re negligent for.
• Fire damage, theft or attempted theft, vandalism, escape of water or oil, impact by vehicles or animals, subsidence and storm damage are usually covered as insured events you can claim for under your park home insurance policy.
• Flood cover will be either included or excluded under your park home insurance policy, depending on the insurer’s assessment of flood risks and how close the park home is to bodies of water.
• Temporary alternative accommodation is available in the event of an insured claim where you’re unable to live in your home, for example a fire or flood claim. Specialised home emergency cover could also be added to your policy.
• Legal expenses cover for a park home owner may or may not be included within your insurance policy. If legal costs aren't covered then it’s usually an optional cover which is available for you to purchase for an additional premium.

Park home insurance cover is arranged on a New for Old basis, so long as the age of the park home is under 40 years old, though this could differ if you renew each year.

This means that, in the event of an insured claim under your policy, such as a fire or flood where your insurer classes your property as beyond economical to repair, it’ll be replaced with a brand-new equivalent make and model from your manufacturer. You should therefore insure your park home for this price, rather than the price that you’d sell your property at.

How much does park home insurance cost?

On average, in the UK, park home owners can expect to pay between £100 and £400 to cover your property comprehensively. This can vary though, and it’s hard to put a finger on exactly how much your park home insurance will cost, because it’ll depend on a variety of factors. These factors might include:

• Its age
• Its size
• Its value
• Where it's located
• Which / how many safety devices are installed
• The park homeowner's claims history

Each of the specialist insurers we work with is different too, so insurance premiums on park homes will vary across the market.

How can I reduce the cost of my park home insurance premium?

There are several ways you can reduce the cost of your park home insurance premiums, including:

• Looking after your park home and inspecting it regularly – keeping on top of any wear and tear reduces the likelihood that you’ll need to make a claim in the future.
• Considering where you buy your park home – insurers tend to raise their premiums if they deem the area where your park home is based to be high risk and less secure. For example, if the park home is in an area where risk of flooding is high, general and flood cover premiums could be raised.
• Seeking out discounts – as an insurance broker we’ll always aim to get you the best price for your insurance, but you can always also ask if you can benefit from any policy discounts. Paying for your entire policy upfront, instead of monthly, will also make your insurance cheaper.
• Getting multiple policies – you may even save money on other policies if you purchase park home insurance. Some insurers will discount the prices of other policies if they know you have already bought park home insurance with them.

Whilst we understand how much the cost of your policy will be to you, it's important to remember that the cheapest insurance isn't always the best insurance. Because after all, getting a comprehensive policy that can keep you secure and fully-protected could save you money in the event of an accident or incident that occurs unexpectedly.

How can I get a quote?

Getting a park home insurance quote doesn’t need to be complicated. All you need to do is provide us with the following information:

• Your personal details
• The make, model and the year the park home was made
• Your park home's site address
• The price you need to insure your park home for on a new for old or a market value basis
• Your claims history
• Information on major events on your caravan site such as previous flooding and proximity to bodies of water

If you wish to include any cover for your caravan contents such as decking or veranda, we can help you with that. All you need to do is find out the cost to replace these contents, either brand new or on a market value basis, depending on whether you’re insuring the structure of your park home on a New for Old or a Market Value basis.