A bespoke park homes insurance policy can give you vital financial security by covering the unique risks of owning a park home.
Nowadays, most parkhome caravan insurance providers are willing to tailor their park home insurance online quote to your exact needs, saving you from paying for cover that you don't want or won't need.
However, this means the first thing you need to do in order to find the best insurance for park homes, is establish the level of protection that's right for your circumstances.
Park home buildings insurance should cover the high costs of clearance, transportation, replacement and re-siting if your park home becomes uninhabitable. However, check if the cover on offer represents a combined amount or if there are individual limits listed for each to make sure you get sufficient financial protection in the event of total loss of your park home.
Second, consider the level of buildings cover you need for claims based on fire, vandalism and accidental damage to the park home itself. (Also check if external fittings such as awnings are covered by the buildings insurance, or listed as part of your personal effects.)
Finally, make sure your park home buildings and contents insurance is sufficient to protect your park home's internal contents and possessions, including a suitable level of new for old cover. Check if keys and locks cover is included too, and if not consider whether it's worth listing it separately on your policy.
Legal protection lies outside the remit of your building/contents insurance, helping you meet the cost of legal fees such as disputes with park operators.
Alternatively, this may be included in your public liability insurance, which would also need to cover third party healthcare costs, loss of income and the repair or replacement of their possessions.
When you've decided on the level of protection you need, compare the cover limits for each area of park homes insurance to find companies that can offer that level of park home insurance cover. Then, compare tailor-made residential park homes insurance quotes from those companies to find the best policy and the cheapest deal.