Finding cheap park home insurance

Although looking for cheap park home insurance may be understandable – especially in these tough economic times – understanding that what is cheap for one person may not be cheap for you if the policy does not provide the cover you require may be key to finding suitable cover. With that in mind, here are some top tips on finding park home cover:

• park home insurance is not to be confused with static caravan insurance – a static caravan is one that you use occasionally for holiday purposes whereas a park home is your permanent and normal place of residence;
• if you are seeking park home insurance, note that the insurance providers may only agree to cover your park home if it is sited somewhere that has full local authority approval to be used as a permanent park home site;
• the cost of your park home insurance may rise significantly if the site is located in a known flooding area (in fact, some insurers may not offer cover for such locations) – the risks may be checked through sources such as potential insurers, local authorities etc;
• if your park home is equipped and furnished to a high standard, it might be advisable to think carefully about having new-for-old replacement contents insurance – some cheap park home insurance may provide only market valuation replacement;
• some park home owners may have extensive external fixtures, fittings and accessories such as swimming pools, patios, picnic tables and awnings – not all park home insurance policies will necessarily cover such items;
• it may be worth examining the policy documentation carefully for opportunities relating to premium discounts – for example, you may be able to obtain some form of reduction if your park home is protected via an alarm system etc;
• finally, when looking for insurance for park homes, try to keep the emphasis on a search for appropriate cover rather than exclusively for cheap park home insurance – a low-cost insurance solution may suddenly not be as important to you if you need to make a claim.