Is Your Home Properly Insured?

Park homes, holiday caravans and lodges not only differ from traditional, brick-built houses because of their construction, but also because of the nature of their tenure and their location. Because of this, it’s important to make sure your home is properly insured with one of the many insurers who specialise in this area. Our A to Z directory is designed to help you find the best specialist insurer, to give you the peace of mind that you are properly covered and potentially save you money into the bargain...

Do you need specialist insurance? Compared to traditional brickbuilt homes, park and holiday homes come with their own unique advantages, as well as some unique risks, where traditional home insurance may not be up to the job of offering the best cover. In addition, because park homes and holiday homes are classified as non-standard construction properties by most traditional house insurers, some of these companies will not even offer cover for park homes or holiday homes.

Specialist insurers will take into account both the advantages and disadvantages of park and holiday homes when creating their policies. Looking at one of the major advantages, park homes and holiday homes are usually located in secure communities, with very little crime.

Specialist insurers are well aware of this and can offer cheaper cover as a result.

Park homes in particular are often occupied by older people who are well used to looking after a home, with less chance of damage inside the home from misuse, especially by children. Other unique benefits also include the timber construction of park homes, meaning they can be relatively cheap to repair in the event of any minor damage which is covered by insurance.

On the riskier side, this timber construction can be more of an issue when it comes to fire damage, a factor which specialist insurers will also take into account.