Holiday Lodge Buyers Guide

Owning your own holiday lodge and having a tranquil retreat away from the normal everyday life, sounds like a tempting idea for a lot of people. Not only are lodges more affordable and stylish then ever, the costs are often significantly lower than buying a bricks and mortar home in the same location. In addition, many parks now allow you to rent out your holiday lodge, meaning you can benefit from additional rental income if you choose to let out your lodge to holiday makers.

When you are thinking of buying a holiday lodge, it is quite probable that amid all the planning and excitement, insurance may be low down on your list of priorities. However, it is absolutely vital that you spend some time researching the right insurance and finding a policy that suits your needs.

Insuring a holiday lodge is very different to insuring a standard bricks and mortar home that you may be used to. Many ‘high-street’ insurance companies won’t be able to offer you the type of policy you need. In addition to the lodge being more likely to be left unoccupied for periods of time, the unique construction of your lodge, along with it being on a holiday park, not owning the land the home is sited on and potentially let out to holiday makers means that you will need to purchase a specialist insurance policy to ensure your investment is protected.

When thinking about covering your lodge, you will need to take into account the things that are most important to you. Whilst it is important to make sure your lodge is covered in the event of something catastrophic such as a fire or flood, it is also important to make sure your ‘day to day’ items are covered as well. This could be things like garden furniture, the contents of your shed, hot tubs as well as things like freezer contents if there’s a power cut, pedal cycles and sports equipment.

You may also want to consider optional extras such as legal protection in the event of a dispute or a home emergency cover to provide repairs should your lodge suffer a failure of the heating system or vermin damage.

Additionally, if you are thinking of renting out your lodge to holiday makers, you will need to make sure your insurance policy covers you for letting. You may also wish to get extra peace of mind by covering things like accidental and malicious damage by tenants so you can rent you’re lodge out stress free.

It is also important that you check what will not be covered for on your insurance policy or if there are any specific duties you need to carry out such as leaving the heating on during the winter.

Polices designed for holiday lodges can differ in both cover levels and price. Here at Park Home Assist, we have been insuring holiday lodges for over 16 years, and have worked with our customers to develop policies that meet their needs as well as offering great value for money and an award-winning claims service. Our specialist advisors will be able to discuss your requirements with you and put together a policy that suits both your needs and your budget.

About Park Home Assist Insurance

Park Home Assist is one of the UK’s leading providers of residential park home and lodge insurance with more than 25000 policyholders across the UK. We are 100% dedicated to understanding our customers so that we can tailor their insurance to suit their requirements.  All of our policies are specifically designed with park home owners in mind, as we truly understand park home living.

Although we are one of the largest providers of park home insurance within the UK, customer service lies at the heart of everything we do, whether you are calling us for the first time, renewing your insurance or making a claim. Our excellent service has already been recognised by the insurance industry on many occasions, we were announced winners of the UK Broker Award ‘Personal Lines Broker of The Year’ we received the Insurance Claims Excellence Award and earlier this year we won the 2022 Platinum Trusted Service Awards, which really is a true reflection of our commitment to outstanding customer service.

This is a marketing article from Park Home Assist, multi award-winning providers of residential park home insurance.  If you would like to speak to an advisor regarding insurance for your park home, please contact our friendly team in our Northampton office on 01604 946 796.

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Published – 22/04/22