If you own a caravan that you reside in permanently, it is essential that you look for park home caravan insurance. There are different types of insurance policies out there for caravans, and it may be easy to get confused when looking for your protection.
Types of caravan insurance
Caravan insurance regularly offered by providers include static caravan insurance, park home insurance and touring caravan insurance.
- static caravan insurance typically provides protection for a caravan residing at a site on a permanent basis, which you take holidays in yourself and perhaps rent out to others;
- park home insurance is taken if you own a permanent caravan-type residence that you treat as your home;
- touring insurance typically covers a caravan that may be hitched to your vehicle and towed to a destination for a holiday or break.
When looking for park home insurance there are many considerations to be made.
Different considerations for the insurance
One of the biggest differences to the park home caravan, and the touring or static caravan, is that there is typically more furniture and fixtures in your caravan home. You may have installed a top of the range flat screen TV in your park home; you may have styled and fitted the caravan out with furniture that you typically see in a brick and mortar home. All of these items are valuable and are a concern for the insurance provider when it comes to theft, damage or destruction. In short, the more value in your belongings, the more you may expect to pay in premiums to cover those belongings.
When you take out park home caravan insurance for your park home the provider typically includes insurance for the contents of your freezer. As your park caravan is your home, these contents may add up to a considerable sum of money. The contents of your freezer are typically not included in insurance taken out for touring caravans, so this is another difference between park home policies and those for touring caravans.
The exterior of the park home caravan is another major area that typically differs from owning a touring caravan. You may have a patio area, veranda and fencing around your caravan home. If so, the park home caravan insurance policy may sometimes extend to providing protection for these.
