What mobile home insurance may be suitable?
If you are pondering what mobile home insurance you may need for your particular caravan, there are a few points worth keeping in mind:
- the term mobile home may not be universally understood by all insurers and you may find that the terms park home or static caravan may be more commonly used;
- strictly speaking, in typical insurance terms, there is a fundamental difference between a static caravan and a park home – in the case of the former, these are typically regarded as being classic caravans occupied for perhaps a couple of weeks or so during the year for holiday purposes, however, a park home is regarded as being your permanent place of residence;
- as such, the term mobile home may be more closely associated with a park home than a static caravan;
- if you are wondering what mobile home insurance is appropriate, you may wish to note that typically static caravan insurance may become invalid if you start occupying your static on a permanent basis, treating it has your main place of domicile;
- the difference between the two forms of insurance is based around the recognition that typically a parkhome may be more extensively and expensively furnished than a holiday caravan – it may also contain a higher value of personal items;
- bear in mind that in the case of either a park home or a static caravan, if you start to rent it out, however infrequently, you may be putting your insurance at risk unless you have commercial use cover included;
- some site owners may suggest that it would be advantageous to use their own insurance cover for your caravan or static, however, it may be advisable to seek your own quotation to use as a comparison;
- In the case of both park homes and static caravans, your insurers may regard them as being fundamentally fixed in position (though they may recognise that they are occasionally moved from one position to another on the site or in some cases, possibly into winter storage) so if you do plan to move them it may be advisable to check your policy;
- this is only a general overview of terminology and different insurers may have different answers to your question, what mobile home insurance is for me?
