What is mobile home insurance?
Think of static mobile home insurance as a sort of house-and-contents cover. It protects you financially if you have to replace your home and its contents due to damage or theft.
If you rent out your mobile home or static caravan to other users, your cover can also include some extras to protect your investment and any potential loss of earnings. Public liability insurance may also be part of your package, protecting you if someone is injured on your property.
Do I need trailer home insurance?
If a storm caused significant damage to the structure of your holiday home or burst pipes ruined all your contents, would you have the funds to cover the cost of repairs and replacements? Although you are not legally obliged to hold homeowners' insurance for mobile homes, doing so prevents a range of financial burdens from falling on your shoulders. It safeguards your finances should the worst happen and, importantly, protects the holiday lifestyle or second income you’ve worked so hard for.:
What does mobile home insurance cover?
Home insurance for mobile homes typically consists of a collection of core covers, such as:
- Theft – covering both the home itself and its contents
- Damage – such as storm, flood, or fire damage
- Accidental damage – from reversing a vehicle into the mobile home to knocking over the flatscreen
- Contents cover – for loss, theft, and damage of furniture and belongings
Be ready for anything, with additional covers, such as home emergency cover, to deal with gas, electricity, and plumbing repairs, and emergency accommodation cover, in case your mobile home becomes uninhabitable.
Do you plan to rent out your home for holidays? Public liability insurance protects you financially against claims for personal injury or property damage made by your guests.
FAQs
How much does trailer home insurance cost?
The cost of your premium will be calculated based on the size and location of your home, as well as how you use it.
Are my contents covered?
Contents cover is included as standard, but you should check the value limit, as higher value items, such as laptops and mobile phones, may not be covered.
How can I keep my policy costs down?
The easiest way to keep your policy costs down is to beef up your security. From robust locks to CCTV, the more secure your mobile home is, the cheaper your policy will be.
Here at Park Insurance, we know how much the Brits love their mobile homes. We’ll help you give this asset the protection it deserves, so you can keep enjoying summer holidays in your favourite corner of the country or protect your second income from holiday rentals. Get in touch with our friendly team today to secure a competitive quote.