11 Questions About Park Home Insurance

Choosing the right park home insurance can feel like navigating a maze. It’s crucial to ask the right questions upfront to ensure you have the cover that truly suits your needs. Don’t just settle for the first policy you see. Take the time to understand what’s included, what’s not, and how you can tailor your cover to your specific circumstances. At Park Home Assist, we understand that everyone’s needs are different. That’s why we offer the flexibility to choose a combination of standard cover and added benefits, so you can find the policy that fits you best. We’re here to help you every step of the way, answering your questions and guiding you towards the right protection for your park home. Call us today on 01604 946 796 to discuss your needs with one of our award winning team.

  1. What Does Standard Park Home Insurance Cover?

This is the most fundamental question. A standard park home insurance policy typically covers the physical structure of your home, including the roof, walls and permanent fixtures, against risks like fire, theft, storm damage and vandalism. It also usually covers your contents, such as furniture, appliances and personal belongings, against similar perils. However, the specifics can vary between providers, so it’s essential to check the policy wording carefully.

  1. What Optional Extras Can I Add?

In order to make your cover right for you, be sure to enquire as to the added benefits that may be available. One of the best things about taking out your cover with us at Park Home Assist is the ability to add optional extras. These can provide enhanced protection tailored to your individual needs. Common options include:

  • Accidental Damage: This covers those unexpected mishaps, like spilling paint on the carpet or knocking over a valuable vase.
  • Home Emergency Cover: This can help with the costs of dealing with urgent problems like burst pipes, boiler breakdowns or electrical faults.
  • Public Liability Cover: This protects you if someone is injured on your property and you’re held responsible.
  • Cover for Valuables: If you have valuable jewellery, art or other items, you might need specific cover for them.
  • Legal Expenses Cover: This can help with the costs of legal action related to your park home.
  1. How Much Does Park Home Insurance Cost?

The cost of your park home insurance will depend on several factors, including the value of your home and its contents, your location, the type of cover you choose, and your claims history. Don’t just focus on the cheapest quote; make sure you’re getting the right level of cover for your needs. We can provide you with a personalised quote based on your specific circumstances.

  1. What Happens If I Need to Make a Claim?

Understanding the claims process is vital. Ask your provider how to make a claim, what information you’ll need to provide, and how long the process usually takes. At Park Home Assist, we aim to make the claims process as smooth and efficient as possible.

  1. What Excess Will I Have to Pay?

The excess is the amount you’ll have to pay towards a claim. A higher excess can lower your premium, but you may have to pay more if you make a claim. It’s crucial to choose an excess you can comfortably afford.

  1. How Do I Know the Value of My Park Home and Contents?

Accurately valuing your park home and contents is essential for ensuring you have adequate cover. We can offer guidance on this. For your contents, creating a detailed inventory with photographs can be very helpful in the event of a claim.

  1. What About Cover for My Shed or Outbuildings?

Many park homes have sheds, outbuildings or decking. Check whether these are covered by your standard policy or if you need to add them separately.

  1. Are There Any Restrictions on Letting Out My Park Home?

If you plan to let out your park home, even occasionally, you’ll need to inform your insurer. Standard policies may not cover this, and you might need specialist landlord insurance.

  1. What Happens If I Move My Park Home?

If you move your park home to a new location, you’ll need to update your insurance policy. The cost of your premium may change depending on the new location. You may also want to check if your insurer is part of the FloodRe scheme if you are moving to an area that may be at risk of flooding.

  1. Are There any Discounts?

At Park Home Assist, we understand the importance of making your insurance as affordable as possible. We regularly review our rates and offer a range of discounts where possible. For example, we often offer discounts for over 50s, as well as discounts for those who have a no-claims bonus. It’s always worth asking us about any current discounts that may apply to you.

  1. Why Choose Park Home Assist?

At Park Home Assist, we’re dedicated to providing comprehensive and affordable park home insurance. Our experienced team can answer all your questions and help you find the right cover for your needs. We pride ourselves on our excellent customer service and our commitment to helping park homeowners protect their valuable assets. Contact us today for a free, no-obligation quote and let us help you find the peace of mind you deserve.

Please note that all insurance cover is subject to acceptance of terms and conditions.

This is a marketing article from Park Home Assist, multi award-winning providers of park home insurance, mobile home insurance, insurance for static caravans,  insurance for holiday homes and holiday lodges, as well as boat insurance and touring caravan insurance. If you have any questions about your insurance, then please call our office on 01604 946 796 and one of our insurance advisers will be happy to help.

Published – 07/02/25