Who are the best park home insurance brokers?

Trying to identify the best park home insurance brokers may be something that might prove to be a little harder than it sounds.

To begin with, if you are searching for the best park home insurance brokers, you may wonder what all the fuss is about – surely this is just a case of finding the broker that is able to offer you the lowest cost caravan insurance options?

Of course, few will dispute that price is an important consideration. However, the true test of a caravan insurance broker may be their ability to source options that provide suitable and cost-effective cover rather than merely the lowest cost.

Why?

For some caravanners, their caravan represents a sizeable proportion of their total invested capital and as such, constitutes a major asset. For park home owners, even more so – their static caravan is their home.

What is therefore typically important is that this investment is protected as far as is realistically possible.

The reality of insurance life is that some policies may be far more suitable for your requirements than others in this respect.

Take, for example, someone that is looking for insurance cover for his or her four year-old touring caravan.  An efficient broker may know of policies that offer new-for-old replacement for caravans up to five years old whereas perhaps the market norm is only for caravans up to a maximum of three years old.

As another illustration, some brokers may know that in the case of residential park home insurance, some policies may cover certain externally located items whereas others do not.

In both these cases, these considerations may or may not be more important to the policyholder than the price of the policy alone.

In these situations, the role of the broker is not simply to find the lowest-cost policies but to offer a range of options to the policyholder along with appropriate clarification as to the issues involved in individual possibilities.

This shows that the best park home insurance brokers may be those that are able to offer all the information necessary to help you make an informed decision.  Of course, the best broker for someone else, who may be exclusively focused on price, may not be the best broker for you, if your requirements are more qualitatively and more broadly based.