UK Park Home Insurance Quotes
Park Home Insurance
Compare specialist park home insurance from UK brokers who cover residential park homes and mobile homes. New-for-old cover for the structure, contents and liability that a standard home policy will not insure.
Why compare park home insurance with us?
- ✓Specialist residential park home cover
- ✓New-for-old cover from UK park home brokers
What is park home insurance?
Park home insurance is specialist cover for a residential park home, also called a mobile home or static residential lodge, lived in year-round on a licensed park. Park homes are of non-standard, prefabricated construction on a steel chassis, so a standard bricks-and-mortar home policy will not cover them. A park home policy insures the structure, contents and liability on a new-for-old basis, so a settled claim replaces without a deduction for wear and tear. Cover includes fire, storm, flood, escape of water, theft and impact, plus liability and alternative accommodation if your park home becomes uninhabitable.
Park home insurance suits residents who live on a licensed residential park, often retired or over-50s, as well as people buying a residential park home. A standard home policy is priced for brick-built houses, so it does not fit a park home's construction or the way it is valued.
Cover usually combines the structure, contents and liability on one policy. A standard home insurance policy is priced for brick-built houses, so it does not fit a park home. A park home is insured on a new-for-old or market-value basis rather than a bricks-and-mortar rebuild cost, and cover often extends to decking, verandas, sheds and outbuildings on the pitch.
Specialist insurers price a park home against its value and age, the site, location such as flood or coastal risk, security and claims history. Older park homes, homes in flood or coastal areas and those with previous claims are covered by specialist park home insurers rather than standard home insurance.
Related park home cover
How park home insurance works
Tell us about your park home
The park home value, its age and make, the site, security, location and any past claims. The more accurately you declare these details, the tighter the quotes brokers can send back.
Compare park home insurance quotes
Your details go to specialist brokers who price the structure, contents, liability and optional extras against your park home.
Choose your cover and stay protected
Pick the policy that fits your park home, with the structure, contents and liability combined on one renewal date.
What does park home insurance cover?
A specialist policy is built around the way park homes are made and lived in, so the important things are protected as standard.
The park home structure
The park home itself, insured new-for-old so a settled claim is not cut for wear and tear.
Contents
Furniture, appliances, belongings and valuables inside your park home.
Public and personal liability
If someone is injured or their property is damaged and you are held responsible.
Accidental damage
One-off mishaps such as a spill, a knock or a foot through a panel (often optional).
Alternative accommodation
Somewhere to stay if your park home cannot be lived in after an insured event.
Decking, sheds and outbuildings
Verandas, decking, sheds and structures on your pitch.
What park home insurance does not cover
A park home policy is built around the declared park home, its value, occupancy and how it is looked after. Once the home moves beyond any of those declared limits, the policy stops paying out. Knowing where the policy ends matters as much as knowing what it includes, because gradual damage, existing defects and non-disclosure are the biggest reasons park home claims are reduced or declined.
Wear, tear and gradual damage
Loss caused by ageing, general deterioration, rot, damp and corrosion falls outside the cover. You are expected to keep your park home in good repair. Insurance covers sudden and unforeseen events, not the slow results of neglect.
Unoccupied beyond the policy limit
Most policies restrict cover once your park home has stood empty beyond a set limit, usually 30 to 60 days, for example while you are away over winter. After that, perils such as escape of water, theft and accidental damage fall away unless you arrange specific unoccupied cover.
Lack of maintenance and upkeep
A park home needs regular upkeep of the roof, chassis, skirting and sealant. Damage that results from a repair you put off, such as a slow leak or corrosion, is treated as maintenance and is not met. Keeping the home well looked after protects your cover.
Existing defects
Damage that was already present before the policy started is not covered. Faults such as a leaking roof, damaged skirting or corrosion known about at the outset are treated as existing defects, not a new insured event. Put right any known problems before you take out cover.
Deliberate damage and non-disclosure
Damage caused deliberately by you or someone in your household is not covered. Giving wrong or incomplete information when you buy, such as the park home age, its value or past claims, can also void the policy. Answer every question honestly and keep your details up to date.
Damp, leaks and slow deterioration
Slow leaks, condensation, penetrating damp and problems that build up over time are treated as gradual damage, not an insured event. Repairing failing sealant, skirting or guttering is your responsibility, and any resulting damage is unlikely to be met.
How much is excluded differs from one insurer to the next and from one park home to another. Always check the policy wording carefully on unoccupied limits, maintenance, existing defects and material facts before buying. For a closer look at cover while a park home stands empty, see our unoccupied property insurance guide.
Park home types we cover
From standard residential park homes to older and non-standard builds, specialist cover can be arranged for a wide range of homes.
Not sure which fits? A specialist broker will match cover to your park home and site.
What impacts park home insurance costs
Several things shape your premium. Here is a typical range and the main factors a specialist looks at when quoting.
Value of the park home
A higher-value home costs more to insure.
Age and construction
Older or non-standard park homes can cost more.
Location
Flood, coastal and exposed sites raise the premium.
Security
Alarms and good site security can reduce it.
Claims history
Past claims affect what you pay.
Cover and excess
Higher cover limits or a lower excess cost more.
How much does park home insurance cost in the UK?
Park home premiums vary more than many residents expect because the value of the home, the location and the site all pull the price in different directions. The figures below are indicative annual ranges drawn from current UK market data, showing where typical cover sits for the most common park home profiles.
There is no fixed price for park home insurance. Cover for a residential park home typically runs from around £200 to £400 a year, with smaller or lower-value homes at the lower end and higher-value, older, flood or coastal park homes reaching more. The value and age of the park home, its location, the site, security and claims history move the price most. Comparing 40+ providers in one search can save you up to £241* against buying direct.
Smaller park home cover
typical annual range, smaller park home
Cover for a smaller or lower-value residential park home, including the structure on a new-for-old basis, contents and personal liability. A modest home value on a settled residential site sits at the lower end, while added extras push it up.
Price moves with- Park home value and age
- Contents sum insured
- Site and location
Standard park home cover
typical annual range, park home cover
The level most park home residents buy: the home on a new-for-old basis plus your contents on one policy. A typical residential park home sits in this range, with personal liability and alternative accommodation built in. Accidental damage and higher limits add to the price.
Price moves with- Park home value and age
- Accidental damage and extras
- Voluntary excess
Higher-value or high-risk park homes
typical annual range per home
Older park homes, higher-value homes, and homes in flood or coastal locations. Larger home values, exposure to ground movement, a history of claims and higher valuables all push premiums up, and some homes need a specialist park home insurer.
Price moves with- Home value and age
- Flood or coastal location
- Claims history and security
Ranges shown are indicative annual figures for cover including the park home on a new-for-old basis, personal liability and the perils typically built into a park home policy. Insurance Premium Tax is included. Premiums sit at the top end for older homes, homes in flood or coastal locations and those left unoccupied beyond the policy limit. Homes exposed to ground movement or with previous claims typically need a specialist park home insurer. Every park home is priced against its own risk picture rather than a standard table.
Important: The figures on this page are indicative annual ranges drawn from current UK market data and park home insurance sources. They are illustrative only and do not constitute a quotation or offer of insurance. Actual premiums vary significantly by individual circumstances, the park home value and age, construction, location, the site, occupancy status, claims history and insurer. Always compare multiple quotes before purchasing. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority, FCA registration number 916241.
Premiums are individually quoted. Compare park home quotes to see what your park home, its value and location price at across 40+ UK providers.
How to prepare for a park home insurance quote
A little preparation makes getting the right cover quicker and easier. Work through these four steps before you ask for a quote.
Know your park home value
Its current value on a new-for-old basis.
Have the details ready
The age, make and any twin-unit or non-standard features.
Note your site and security
The residential park, alarms and any site rules.
Compare and get covered
Compare specialist park home brokers and put cover in place.
Non-standard and high-risk park home cover
Mainstream insurers will not write every park home. Older homes, flood-risk and coastal locations, ground movement, unoccupied homes, higher-value homes, non-standard construction and homes with previous claims all sit outside standard appetite. Open any section below to see how specialist park home underwriting addresses the eight risks residents ask about most often.
Older park homes
Older park homes, particularly those built before modern construction standards, cost more to insure because materials and components are harder to match and repair. The age of the home is one of the main factors an insurer weighs, and some restrict cover once a home passes a set age.
Specialist park home insurers price for the age and construction of the home rather than declining it outright. Mainstream home insurers either decline or apply restrictive terms. See our older park home insurance guide for specialist cover.
Flood-risk locations and low-lying sites
Park homes in flood-risk postcodes and on low-lying or riverside sites routinely trigger raised flood excesses, with some insurers excluding flood entirely. Homes that have already had a flood claim meet the tightest restrictions of all.
Specialist flood-risk underwriters mean cover is usually available for your park home, but at materially higher rates. Flood resilience measures on the pitch and around the home can reduce excesses and secure cover that would otherwise be declined.
Ground movement and unstable pitches
Park homes sit on a steel chassis on a prepared base, so movement in the ground beneath the pitch can affect the level and structure of the home. Homes on sites with a history of ground movement attract underwriting restrictions, and it can be dropped from cover altogether at renewal.
Specialist insurers can cover ground movement where the base is sound, the home is properly sited and any earlier movement has been stabilised. Standard home insurers usually will not consider a park home at all once there is a history of claims.
Unoccupied and seasonally empty homes
Most park home policies cap unoccupied periods before cover restricts automatically to fire, lightning and explosion only. A home left empty for longer without specific unoccupied cover loses escape of water, theft, malicious damage and accidental damage, which is when the majority of empty home claims actually occur.
Specialist underwriters offer cover sized to the reason the home is empty, such as extended time away over winter, awaiting sale or probate. Cover is conditional on recorded inspection routines, draining down the water system and security precautions. See our unoccupied park home insurance guide.
Higher-value and twin-unit park homes
Twin-unit and top-of-the-range residential park homes carry higher values than a standard single-unit home. They often hold quality fittings, furniture, jewellery and other valuables that standard single-item limits will not cover in full.
Many insurers cap the home value or single-item values below what a higher-value park home needs. Specialist underwriters price these homes properly, with the home value, security systems and specified valuables all feeding into the terms.
Coastal and exposed locations
Park homes on coastal and exposed sites face greater storm, wind and salt exposure, which raises the risk of damage to the structure, roof and external fittings. Some insurers load premiums or restrict cover on the most exposed pitches.
Specialist park home cover is available for coastal and exposed sites where the home is well maintained and secured against storm damage. Full disclosure of the location and any exposure is essential before cover is agreed.
Non-standard construction and ageing materials
Park homes are single-storey and of prefabricated construction, which carries different storm and escape of water exposure to a bricks-and-mortar house. Insurers want the home to be well maintained, and ageing roofs or fittings can trigger raised excesses or cover restrictions.
Timber-frame, steel-frame and prefabricated construction on a steel chassis all need specialist underwriting, and a standard home policy will not cover them. The age, materials and condition of the home all feed into the terms, so full disclosure of the construction type is essential before cover is agreed.
Park homes with previous claims
Park homes with a run of previous claims, whether escape of water, theft, storm or ground movement, sit outside standard appetite. Each claim raises the price, and after two or three many insurers decline to renew or quote at all.
Specialist insurers assess these homes individually rather than from a standard rating table, taking account of repairs and improvements made since. Honest disclosure of your full claims history at quote stage is essential, since the Insurance Act 2015 makes undisclosed material facts grounds for avoidance.
Each non-standard park home falls into its own specialist underwriting category. Compare park home quotes to see how your specific home and risk profile are rated across the MyMoneyComparison.com panel.
Who needs park home insurance?
Anyone living in a residential park home needs specialist park home insurance, since a standard bricks-and-mortar home policy will not cover its non-standard construction. Site rules and any finance on the home may require cover to be in place, and it protects the home, your contents and your liability as a resident.
Park home residents
People living year-round in a residential park home. Site rules and any finance on the home may require cover, so a specialist policy protecting the home on a new-for-old basis should be in place from the day you move in.
Buying a residential park home
People buying a park home, often arranging cover for the first time. A specialist policy covers the home and its non-standard construction plus the contents you have just moved in, all on one policy.
Retired and over-50s residents
Many park home residents are retired or over 50, and residential parks are often age-restricted. Cover can reflect a home that is occupied during the day and holds valuables built up over the years.
Older and non-standard park homes
Owners of older park homes or homes of non-standard construction, which mainstream insurers often decline. A specialist policy prices for the age, materials and condition of the home rather than turning it away.
Twin-unit and higher-value homes
Owners of twin-unit or top-of-the-range residential park homes that carry higher values. Cover can be set to the full value of the home, with quality fittings and specified valuables reflected in the terms.
Downsizers moving to a park home
People downsizing from a bricks-and-mortar house to a residential park home. A specialist policy replaces the home insurance the old house had, set up on the right basis for park home living.
Whatever your circumstances, cover should reflect how you actually live in the park home. Compare park home quotes to match the policy to your home, contents and risk profile.
Park home insurance vs standard home insurance
The two products are often confused but cover very different homes. Standard home insurance is built around a bricks-and-mortar house. Park home insurance is a specialist product for a non-standard, prefabricated park home, insured on a new-for-old basis. A standard home policy will not cover a park home, which is one of the most common reasons a claim is reduced or declined.
| Comparison | Park home insurance Specialist cover | Standard home insurance Bricks and mortar |
|---|---|---|
| Type of home | A residential park home, mobile home or static residential lodge, lived in year-round on a licensed residential park | A conventional bricks-and-mortar house or flat of standard construction. A park home is not a standard house |
| Underwriting basis | Rated as a park home, with its value, age, make and site declared. Specialist insurers understand prefabricated, single-storey construction | Rated as a standard house on a masonry rebuild cost. The insurer assumes standard construction, not a park home |
| Valuation basis | Insured on a new-for-old or market value basis. A settled claim replaces without a deduction for wear and tear | Insured on a bricks-and-mortar rebuild cost, which does not fit how a park home is valued or replaced |
| Liability cover | Public and personal liability included for you as the resident, covering injury or damage to others on the pitch | Personal liability for you and your household, but the policy does not respond on a park home it was never meant to cover |
| Non-standard risks | Flood or coastal locations, older park homes, ground movement and previous claims can all be covered by a specialist | Standard insurers often decline non-standard, prefabricated construction, so a park home falls outside the policy |
| Accidental damage | Accidental damage can be added, and cover often extends to decking, sheds, verandas and outbuildings on the pitch | Accidental damage applies to the insured house only, not to a park home or its pitch and outbuildings |
| If you use the wrong product | Cover responds correctly, the claim is paid, and the policy matches the fact that the home is a park home | A standard home policy will not cover a park home. Relying on one can leave a claim reduced or declined |
Important: Cover detail shown is indicative of how UK park home and standard home policies are typically structured. It is illustrative only and does not constitute a quotation or offer of insurance. Specific policy wording, sums insured, indemnity periods and exclusions vary by insurer and individual circumstances. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority, FCA registration number 916241.
A standard home policy will not cover a park home. Make sure your cover is a specialist park home policy, not standard home insurance built for a bricks-and-mortar house.
Specialist Park Home Insurance
Specialist park home insurance comparison since 2013
Since 2013, MyMoneyComparison.com has helped UK park home residents find cover without the runaround. Whether you are insuring a park home on a residential park, a mobile home, a static residential lodge, a twin-unit or an over-50s retirement park home, or you need the structure and contents together, our specialist broker panel covers park homes every day. Compare park home insurance from a panel that understands new-for-old value, contents cover, public liability, accidental damage and the full range of UK park home risks.
Compare park home insurance quotes with some of the UK's top park home brokers, including:
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Everything You Need to Know
Detailed answers to help you understand more about park home insurance.
What is park home insurance?
Park home insurance is specialist cover for a residential park home that you live in year-round on a licensed park. It protects the home’s structure and your contents, along with liability and other risks. Because park homes are built differently to a standard house, they need a policy made for them.
What is a residential park home or mobile home?
A residential park home, also called a mobile home or static residential lodge, is a single-storey prefabricated home sited on a licensed residential park. It sits on a steel chassis and is built from a timber or steel frame rather than brick. Residents live there permanently and pay a pitch fee to the site owner.
Why won't a standard home policy cover a park home?
A standard home insurance policy is built for bricks-and-mortar houses and is priced on rebuild cost. A park home is of non-standard, prefabricated construction and is valued differently, so a normal policy will not cover it correctly. You need a specialist park home policy instead.
What does park home insurance cover?
It covers the structure of your park home, your contents, and public and personal liability. Most policies include accidental damage, alternative accommodation while repairs are done, and perils such as fire, storm, flood, theft, escape of water and impact. Cover often extends to decking, sheds, verandas and outbuildings on your pitch.
What is new-for-old cover and how are park homes valued?
Park homes are insured on a new-for-old or market-value basis, not on bricks-and-mortar rebuild cost. New-for-old means a settled claim replaces the damage without a deduction for wear and tear. This reflects how park homes are built and priced, so the sum insured should match the home’s value.
Is park home insurance a legal requirement?
Park home insurance is not required by law, but it is rarely optional in practice. Most site agreements make it a condition of your pitch, and any finance on the home will usually require cover too. Without it you would have to fund any repair or replacement yourself.
What does park home insurance not cover?
Cover is for sudden, unexpected events, not the slow decline of the home. Wear and tear, gradual damage, damp and any loss caused by a lack of maintenance are excluded. Existing defects, deliberate damage and leaving the home unoccupied beyond the policy limit can also lead to a claim being refused.
How much does park home insurance cost?
There is no fixed price, because every park home and site is different. As a rough guide, cover typically costs around £200 to £400 a year. The value and age of the home, its location and the level of cover you choose all move the figure.
What affects the price of park home insurance?
Price is driven by the value and age of your park home, where it is sited, and any flood or coastal risk. The site itself, your security and your claims history all feed in too. Good security, a sensible voluntary excess and a claim-free record can help bring the premium down.
Does it cover flood, coastal and ground-movement risk?
Yes, flood and ground movement are usually covered perils, though homes in flood or coastal areas can face higher premiums or larger excesses. Older park homes and locations prone to movement are treated as higher risk. Specialist park home insurers still cover these, so it is worth comparing quotes.
What happens if my park home is left unoccupied?
Most policies allow the home to be empty for a set period before cover is reduced or suspended. Longer absences, such as an extended trip away, usually need to be agreed with your insurer. Tell them as soon as the home will be empty beyond the allowed period so cover stays valid.
Are decking, sheds and verandas covered?
Many park home policies extend to outbuildings on your pitch, such as sheds, decking, verandas and stores. Cover levels and limits vary between insurers, so check the amount included and whether it is enough for what you have. List anything of higher value so it is properly protected.
Does it cover contents and high-value possessions?
Contents cover protects your furniture, appliances, electronics and belongings inside the home. High-value items such as jewellery or watches usually need to be listed individually above a single-article limit. Personal possessions cover can extend to items you take out of the home, so check the away-from-home limit.
Does it cover storm, fire, theft and escape of water?
Yes, these are standard insured perils on a park home policy. Cover pays to repair or replace after storm, fire, theft, escape of water and impact, subject to the policy terms and excess. Declaring your home and site accurately keeps this cover valid at claim time.
Do you cover twin-unit park homes and static lodges?
Yes. Twin-unit park homes, single-unit homes and static residential lodges can all be insured through a specialist policy. The home’s size, value and construction are taken into account when the cover is quoted. Larger twin-unit homes simply need the sum insured set to match their higher value.
Do you cover over-50s and retirement park homes?
Yes. Many residential parks are aimed at over-50s and retired residents, and specialist park home cover is well suited to them. Policies can reflect a settled, owner-occupied home and a claim-free record. Living on a residential-only park can help keep the premium sensible.
Can older or non-standard park homes be insured?
Yes. Older park homes and those in higher-risk locations are treated as non-standard, but specialist insurers still cover them. The home’s age, condition and previous claims are taken into account when the cover is quoted. Keeping the home well maintained helps both the price and any future claim.
Park home insurance vs standard home insurance
A standard bricks-and-mortar home policy will not cover a park home because of its non-standard construction and different valuation. Park home cover is priced on the home’s value rather than a rebuild cost, and reflects how these homes are built. If you live in a park home, you need a specialist policy, not a standard one.
How can I reduce the cost of park home insurance?
Set an accurate sum insured, improve security with good locks and alarms, and consider a higher voluntary excess. A claim-free record and living on a well-run residential park all help. Compare quotes at renewal rather than letting the policy roll over, as loyalty is rarely rewarded.
What should I have ready for a park home quote?
It helps to know the value of your park home, its age and make, and the name of the site it sits on. Have details of your security and any previous claims to hand. Accurate information means the quote reflects your home and the cover responds properly if you claim.
Why use a specialist park home broker?
A specialist park home broker understands non-standard construction and the way these homes are valued, which a standard insurer often will not. They can place older homes, higher-risk locations and twin-unit lodges that a normal policy would decline. This usually means better-matched cover at a fairer price.
Why compare park home insurance with MyMoneyComparison?
Comparing lets you check cover and price across specialist park home brokers in one place instead of accepting a single quote. It helps you match the sum insured and excess to your home rather than simply picking the cheapest option. MyMoneyComparison.com is FCA-authorised and does not advise on or sell policies.
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