Most home insurance policies will not cover a park home or residential lodge due to them being a non-permanent structure without foundations. You’ll need to shop around for a specialist park home insurance provider that can cover your structure as well as your belongings.
As park homes and lodges are not permanent, it is possible to move homes to and from the site. If your park home is damaged in a fire or flood, you would need to make sure that your insurance company will cover the cost of removing the old home and any debris as well as re-siting your new home on the park under the guidance of your park manager.
Look for policies with benefits such as ‘New for Old’ cover. This means the insurer will replace your home and contents with new should they be damaged beyond economical repair or stolen from the home. A park home specialist will replace a damaged park home with full-co-operation of the park owner.
Public liability cover may not be the first thing you look for in an insurance policy, but your park owner may specify a minimum level of cover for public liability such as 2 million or even 5 million.
Check whether legal cover is standard on the policy or whether you need to add this as an extra. Legal cover will cover the cost of pursuing civil and personal injury claims and may stretch to employment matters or consumer issues.
One of the major benefits of being retired is all the free time you have to spend and the travelling that this allows you to do. If you plan to spend long periods away from your park home, check your insurance policy covers you for leaving the home unoccupied and for what period. A standard home insurance policy may only cover your home if left unoccupied for up to 28 consecutive days. Your park home insurance should be more flexible and allow you to leave your park unoccupied for several weeks or even months at a time. But be aware of certain conditions when leaving your park home unoccupied such as steps to prevent frost damage to pipes.
As with any insurance policy, it pays to shop around and compare benefits and features as well as premium as the cheapest quote may not always give you the desired level of cover.