Park Home Insurance

Park Home Insurance Policy Benefits

The insurance needs of a park home are different to a bricks and mortar property, so taking out a dedicated park home insurance policy will ensure that you don’t find yourself in a ‘grey area’ should something happen and you need to make a claim.

Our Park Home Insurance Policies Include:

  • Residential Park Home Insurance
  • Holiday Lodge Insurance

Our Coast Insurance expert park home insurance policy offers some fantastic features

  • Fire, Flood And Storm Damage Cover
  • Accidental Damage Cover As Standard
  • Contents Cover
  • Alternative Accommodation (If Your Home Becomes Temporarily Uninhabitable Due To Fire, Accidental Damage And Other Insured Perils)
  • Legal Expenses – Including Cover For Disputes Between Home And Site Owners
  • Vermin cover included
  • All policies on a new for old basis

All the key benefits and full details of our policy are available in our documents section at the end of the page. You can also request a quote for your park home insurance online and a member of our sales team will contact you as soon as possible, or you can ring them directly to discuss your policy.

Park Home Insurance

The foundation of Coast Insurance’s  success is built on our park home insurance. We have been protecting park homes and their contents for three decades, which has given us plenty of time to develop our policies to provide our customers with the best possible cover.

For us, a park home insurance quote is as much about giving you peace of mind that your investment is in safe hands as it is about providing great value insurance cover – although we strive to offer that as well!

Unlike some of our other products such as caravans and motorhomes, which our customers mainly use to take a break from everyday life, park home owners tend to live there all year round, which makes finding the best insurance even more important. You need a specialist policy that will cover the home itself, its furniture and contents in the unfortunate event that something goes wrong.

Is Park Home Insurance Compulsory?

You shouldn’t treat your park home any differently to a bricks and mortar property, which means taking out park home insurance to give you peace of mind and financial security in the event of theft, loss or damage to your home and its contents.

It is not compulsory to take out park home insurance cover but you could find yourself faced with a large bill – or possibly even no home to live in – should the worst happen and you’re not covered. Even if you think you’ve accounted for every risk, accidents still happen and the situation is stressful enough without money worries hanging over your head.

Excesses

Excess starts from only £25

Benefits

The Coast Insurance park home policy covers policy holders against loss or damage to the insured buildings caused by the following:

  • Fire
  • Explosion
  • Smoke
  • Lightning/Thunderbolt
  • Earthquake
  • Subterranean Fire
  • Theft/Attempted Theft
  • Riot/Civil Commotion
  • Vandalism
  • Escape Of Water Or Oil From Fixed Tanks/Pipes
  • Storm/Flood
  • Falling Trees/Branches
  • Impact
  • Subsidence Of The Site On Which The Buildings Stand/Landslip
  • Accidental Damage

Note: Cover is subject to the policy terms and conditions. The policy does not cover you for general wear and tear or damage caused by poor maintenance.

Frequently Asked Questions

Park home insurance is a specialised policy designed to protect park homes (also known as mobile homes) against risks such as fire, theft, weather damage, and public liability.

While not legally required, it’s highly recommended and often required by park site owners as part of their agreements.

Park home insurance is tailored for homes used as permanent residences, whereas static caravan insurance is for holiday or seasonal use.

Most policies include:

  • Structural damage to the home.
  • Contents and personal belongings inside the home.
  • Accidental damage.
  • Weather-related damage (storms, floods, etc.).
  • Public liability (protection if someone is injured or their property is damaged).
  • Alternative accommodation if the home becomes uninhabitable due to an insured peril.

Yes, but policies often have limits on high-value items. You may need to declare or insure valuables like jewellery or electronics separately.

Yes, public liability insurance is typically included to cover legal and medical costs if someone is injured on your property.

Yes, park home insurance is specifically designed for homes used as permanent residences.

Accidental damage is often available as an optional extra and may include coverage for unintentional damage to both the structure and contents.

Many policies offer protection against subsidence or ground movement, but this may depend on your location and be subject to a higher excess.

Factors include:

  • Age, size, and value of the home.
  • Location (e.g., flood or crime risk).
  • Security measures (e.g., alarms, gates).
  • Claims history.
  • Level of coverage chosen.

Yes, most insurers offer monthly payment options, though interest may apply.

Common exclusions include:

  • Wear and tear or maintenance-related issues.
  • Intentional damage.
  • Damage caused while the home is unoccupied for an extended period (unless additional coverage is purchased).

Standard policies usually don’t cover renting.

  • Contact your insurer immediately.
  • Provide evidence of the incident (photos, receipts, and detailed descriptions).
  • Follow your insurer’s claims process, which may involve assessments or inspections.

All our park home policies are on a new for old basis. This means your park home will be replaced with a new home of the same size and specification of the old home.

Yes, an excess is the amount you pay out-of-pocket when making a claim. This may vary by policy and claim type.

Outbuildings, sheds, and garages are often covered under the same policy, but you may need to specify them.

Standard policies might have restrictions on unoccupied homes. You may need additional coverage for long absences.

Yes we can. However, we may require a refurbishment form completed or a photograph of the property before we can incept cover.

Most policies include flood coverage, but if your home is in a high-risk area, premiums may be higher, or exclusions may apply.

Compare multiple providers, ensuring the policy covers your specific needs (e.g., permanent residence, location risks, and the value of your contents).

Policy Documentation

Insurance Underwritten By

Insurance