Park Home Insurance UK

A comprehensive park home policy covers the structure against fire, storm, flood, theft, vandalism, accidental damage, subsidence, and escape of water. It also covers your contents, furniture, appliances, personal belongings, and valuables inside the home.

Beyond the physical property, most policies include personal liability cover in case someone is injured on your plot, and alternative accommodation if your park home becomes uninhabitable after an insured event. Some policies add legal expenses, emergency assistance for burst pipes or boiler failure, and cover for external structures like decking and sheds. Not every insurer includes all of this as standard, so always check before you buy.

• Structure cover for fire, storm, flood, theft, vandalism, and accidental damage
• Contents cover for furniture, appliances, personal belongings, and valuables
• Personal liability if someone is injured on your plot
• Alternative accommodation if the home becomes uninhabitable
• Some policies include legal expenses and emergency assistance
• External structures like decking and sheds may need to be added separately
• Not every insurer includes all elements as standard, always check

Most park home owners pay somewhere between £200 and £400 a year for a comprehensive policy. But that’s a guide, not a guarantee. The actual figure depends on the value of your park home, its age and condition, the site location, flood risk, the level of contents cover you need, and your claims history.

Newer park homes with higher replacement values cost more to insure. Homes on sites in flood-risk areas attract higher premiums. And if you’ve made claims in the past, the price goes up. One thing I always mention, paying annually rather than monthly saves you the interest. On a £300 policy, monthly payments can add £30 to £50 in charges you don’t need to be paying.

• Most owners pay between £200 and £400 per year for comprehensive cover
• Key factors are home value, age, condition, site location, and flood risk
• Contents cover level and claims history also affect the premium
• Newer, higher-value park homes cost more to insure
• Flood-risk sites attract higher premiums
• Paying annually saves interest compared to monthly instalments

Not by law, no. There’s no legal requirement to insure a park home in the UK. But most site licence agreements require you to hold insurance as a condition of your pitch, so in practice it’s not really optional.

Even if your site doesn’t require it, going without insurance on a park home is a serious gamble. A fire, a storm, a burst pipe, any of these could destroy your home and everything in it. Park homes depreciate in value, so you can’t rely on selling a damaged one to fund a replacement. Without insurance, you’d bear the full cost yourself. For a few hundred quid a year, the alternative is genuinely frightening.

• No legal requirement to insure a park home in the UK
• Most site licence agreements require insurance as a condition of your pitch
• Check your pitch agreement for specific insurance obligations
• Park homes depreciate, so a total loss without cover is financially devastating
• Fire, storm, flood, and theft are all real risks for park home structures
• The cost of insurance is a fraction of the cost of replacing an uninsured home

Yes, and this is one of the most important things to look for. New-for-old cover means if your park home is destroyed beyond repair, the insurer pays for a brand new replacement rather than the depreciated market value of your old one.

Without new-for-old, you’d receive the current market value, which for a 15-year-old park home could be significantly less than what it would cost to buy a new one. I’ve seen owners assume they were covered for replacement cost, only to find out at claim stage they were on market value and the payout barely covered half a new home. Always check whether your policy is new-for-old or market value, because the difference at claim time is enormous.

• New-for-old pays for a brand new replacement if your home is destroyed
• Market value pays the current depreciated value, which may be much less
• Park homes depreciate, so market value can be significantly lower than replacement cost
• Always check whether your policy is new-for-old or market value
• The difference at claim time can be tens of thousands of pounds
• New-for-old is the recommended cover level for most park home owners

Most comprehensive park home policies include storm damage as standard. Flood cover is also usually included, but if your site is in a high-risk flood area, the insurer may apply additional terms, a higher excess, or in some cases exclude flood altogether.

Park homes are more vulnerable to extreme weather than bricks-and-mortar houses. High winds can damage cladding and roofing. Heavy rain can cause water ingress. And flooding on low-lying sites can be devastating. If you’re on a flood-risk site, make sure flood cover is explicitly included in your policy, don’t just assume. A specialist park home broker can access insurers who still cover flood-prone locations.

• Storm damage is usually included as standard on comprehensive policies
• Flood cover is usually included but may have restrictions on high-risk sites
• Higher excess or flood exclusions may apply in flood-prone areas
• Park homes are more vulnerable to extreme weather than bricks-and-mortar homes
• High winds, heavy rain, and flooding are all significant risks
• Always confirm flood cover is explicitly included, especially on low-lying sites

Security is the biggest factor you can control. Fit good locks, install smoke alarms, and if the site has communal CCTV or gated access, that all helps. Some insurers offer discounts for specific security measures, so ask what’s recognised.

Keep the park home well maintained, fix issues before they become claims, and don’t overestimate your contents value, insure what you actually own. Pay annually to avoid monthly interest. If you’ve got a clean claims record, make sure your insurer knows about it. And compare quotes every year, the park home insurance market is niche but competitive, and switching can save a meaningful amount.

• Fit good locks, smoke alarms, and security lighting
• Gated sites and communal CCTV help reduce premiums
• Keep the park home well maintained and fix issues promptly
• Don’t overestimate contents value, insure what you actually own
• Pay annually to avoid monthly interest charges
• Maintain a clean claims record
• Compare specialist park home broker quotes every year

Standard park home policies usually have restrictions on unoccupied periods. Most insurers limit cover if the home is empty for more than 30 to 60 consecutive days. After that, cover may be reduced or voided entirely because the risk of undetected damage, burst pipes, vandalism, and theft increases sharply.

If you spend extended periods away, during winter for example, tell your insurer. They may require you to turn off the water, drain the system, or arrange regular inspections. Some specialist insurers offer extended unoccupancy cover for park homes. Failing to declare absence is one of the easiest ways to have a claim rejected.

• Most policies restrict cover if the home is empty for 30 to 60 consecutive days
• Risk of undetected damage, burst pipes, vandalism, and theft increases when empty
• Tell your insurer if you plan to be away for extended periods
• They may require water shut-off, system draining, or regular inspections
• Some specialist insurers offer extended unoccupancy cover
• Undeclared absence can result in a rejected claim

Yes. Most comprehensive park home policies include personal liability cover, sometimes called occupier’s liability. It protects you if someone is injured on your plot or if you accidentally damage someone else’s property.

Think about the common scenarios. A visitor trips on your decking steps. A child falls in your garden. Your overflowing gutter damages your neighbour’s park home. Without liability cover, compensation and legal costs come from you directly. Cover of £1m to £2m is standard on most park home policies, and it’s one of those things you don’t think about until you need it.

• Most comprehensive park home policies include personal/occupier’s liability
• Covers injury to visitors and accidental damage to neighbouring properties
• Common scenarios include trips on decking, garden falls, and water damage to neighbours
• Without cover, compensation and legal costs come from you directly
• Standard cover levels are £1m to £2m
• Check your policy includes liability, not every basic policy does

Yes. Many insurers offer park home policies specifically for holiday homes, covering both the periods when you’re there and when the property is unoccupied. The key difference is that holiday home policies account for the higher risk of an empty property, undetected water leaks, break-ins, storm damage with no one around to notice.

You must declare the property as a holiday home rather than a permanent residence, because the cover terms and premium are different. Some policies include letting cover if you rent the park home out to holidaymakers, but this must be explicitly stated. A park home used for Airbnb-style letting without declaration will almost certainly have claims rejected.

• Holiday home park home insurance is available from specialist providers
• Covers both occupied and unoccupied periods
• Must be declared as a holiday home, not a permanent residence
• Premiums reflect the higher risk of unoccupied periods
• Letting cover for holiday rentals is available but must be explicitly included
• Undeclared holiday letting will result in rejected claims

Read more: Holiday Home Insurance

Standard home insurance covers bricks-and-mortar houses with permanent foundations. Park home insurance covers timber-framed, factory-built structures on licensed residential sites. Different construction, different risks, different policy.

Most standard home insurers won’t cover park homes at all, they class them as non-standard construction and decline at quote stage. Even if one did accept it, the policy wouldn’t properly account for the risks specific to park homes, wind damage to cladding, chassis issues, site-specific flooding, and the lack of permanent foundations. You need a specialist park home policy, full stop.

• Standard home insurance covers bricks-and-mortar with permanent foundations
• Park home insurance covers timber-framed structures on licensed sites
• Most standard home insurers won’t cover park homes at all
• Park homes are classed as non-standard construction
• Risks include wind damage to cladding, chassis issues, and site-specific flooding
• A specialist park home policy is essential for proper cover

Read more: Non-Standard Home Insurance

Depends on the policy. Some comprehensive park home policies include external structures like decking, verandas, sheds, and carports as standard. Others treat them as optional extras that need to be added and valued separately.

The value of external structures can add up quickly. A good quality veranda and decking package can easily cost £5,000 to £10,000, and a storage shed with contents adds more. If these aren’t listed on the policy, they’re not covered. I’ve seen claims where a storm ripped off a veranda and the insurer refused because it wasn’t declared. Always list and value every external structure when you take out or renew your policy.

• Some policies include decking, verandas, sheds, and carports as standard
• Others require them as optional extras, declared and valued separately
• External structures can cost £5,000 to £10,000 or more to replace
• Undeclared structures will not be covered if damaged
• Always list and value every external structure when taking out or renewing
• Check the policy wording for what counts as part of the home versus an extra

Yes. Specialist park home insurers cover homes of all ages, from brand new to 30 years old and beyond. Older homes may attract slightly higher premiums because they’re more likely to have wear and tear issues, and the rebuild or replacement cost can differ from newer models.

Some insurers ask for a condition report or photographs for older homes, particularly those over 20 or 25 years. A well-maintained older park home with recent upgrades, new cladding, replacement windows, updated electrics, will get better terms than one that hasn’t been touched in decades. Maintenance really matters with park homes, both for your comfort and your premium.

• Specialist insurers cover park homes of all ages, including over 20 years
• Older homes may attract slightly higher premiums
• Some insurers request condition reports or photographs for older homes
• Well-maintained older homes with upgrades get better terms
• New cladding, windows, and electrics demonstrate good upkeep
• Maintenance matters for both comfort and premium cost

No. The site owner’s insurance covers the communal areas of the park, the roads, shared facilities, clubhouse, and the site infrastructure. It does not cover your individual park home, your contents, or your personal liability.

This is a really common misconception. I’ve spoken to park home owners who assumed the site owner’s policy had them covered and only found out otherwise when something went wrong. Your park home is your property and your responsibility. You need your own dedicated park home insurance policy. The site owner’s cover protects the site, not your home.

• Site owner insurance covers communal areas, roads, shared facilities, and infrastructure
• It does not cover individual park homes, contents, or personal liability
• Your park home is your property and your responsibility to insure
• This is a common misconception among park home owners
• You need your own dedicated park home insurance policy
• Check with the site owner what their policy covers to confirm the boundary

If your park home is a total loss, fire, severe storm, or catastrophic flood, the payout depends entirely on whether you have new-for-old or market value cover. New-for-old pays for a brand new replacement home of equivalent specification. Market value pays the current depreciated value, which for an older park home could be a fraction of replacement cost.

The insurer also covers site clearance, removal of the damaged home, and delivery and installation of the replacement on your pitch. Some policies include temporary accommodation while the replacement is being arranged. If you’re on market value and the payout doesn’t cover a new home, you’re funding the difference yourself. This is why new-for-old matters so much for park home owners.

• New-for-old pays for a brand new replacement of equivalent specification
• Market value pays the current depreciated value, often much less
• Site clearance, removal, delivery, and installation are usually covered
• Some policies include temporary accommodation during replacement
• On market value, the shortfall between payout and new home cost comes from you
• New-for-old is strongly recommended for park home owners