Here are a few points that you may wish to keep in mind:

• some static caravan cover may offer relatively limited protection for your contents and you may find that certain categories of item are excluded or that there are certain maximum payment values applied that may not be reasonable in your particular situation;
• some policies may offer a range of discount opportunities if you adopt certain good practices – these may be worth looking out for, as they may offer you the chance to save some money on your premium;
• it may be typically advisable to carefully consider any plan to locate your caravan on a site that is prone to flooding, as apart from anything else, this may cause difficulties in the case of some static caravan insurance;
• wintertime is typically a high-risk period for caravans and insurance companies, therefore, if you store your caravan over the winter in a secure CaSSOA approved facility, you may benefit from lower premiums;
• not all policies will be happy to cover awnings, so if you have one, this might prove to be something that makes one policy more attractive than another;
• it might be highly advisable to be sure what sort of replacement would be provided/funded, in the event that your static caravan was completely destroyed – some policies may be rather better in this respect than others;
• finally, some static caravan cover may be very specific indeed as to how your caravan must be anchored and secured – make sure that you select a policy where you are confident that you will be able to comply with any such conditions, if they exist.

%%Points to note with static caravan cover%% is a post from: Caravan Insurance Blog

A static caravan is typically defined as being one that is a semi-permanently located on an approved caravan site. It is used for a few weeks per year for the purposes of recreation and holidays, although some insurance may consider this to include renting it to others for their holidays.

If you live in a park home, this will, by contrast, be defined as being your permanent place of residence and is typically located on a local authority approved park home residential site.

You cannot use static caravan insurance for park homes or vice versa.

Static caravan cover may come with some basic conditions as follows:

• some policies may demand that the caravan is located on a site that does not have a documented history of flooding;
• when the caravan is closed up for the winter, you may be obliged to drain down all water and heating systems accordingly;
• you may find some restrictions in terms of high-value items of personal possessions stored as contents (e.g. cash, high-value jewellery or specialist electronic items etc);
• it is generally not compulsory for you to take the site owners insurance, though you may be charged a fee by them for doing so;
• as static caravans may be on rural and isolated sites, insurers may offer discounts if you equip your caravan with additional security features such as alarms and security bolts etc.

As with any type of caravan, it might be prudent to make sure that your static caravan insurance also contains third party liability protection just in case you are sued by someone who believes they suffered injury or damage, arising as a result of your caravan’s fixtures and fittings.

%%Your static caravan insurance%% is a post from: Caravan Insurance Blog

To some people, a mobile home may be another name for a park home. In other words, a dwelling that is located on a site that is formally registered with the local authorities as being a park home site.

They are typically permanently occupied as your main place of residence. As such, they are not:

• static caravans located on holiday sites and used primarily for occasional holidays and recreation;
• prefabricated accommodation used in the major cities between the 1930s-1970s, which are also commonly referred to as mobile homes.

Park or mobile home insurance covers your property against a range of risks. That includes things that may happen to put at risk your home’s basic structure and fabric due to natural disasters such as storms and floods etc.

Your contents typically will be similarly covered although there the additional risks of theft and vandalism may need to be taken into account.

Finally, it may be advisable to consider your position vis-à-vis third party liability.

Although hopefully it will never happen, should someone be injured or suffer property loss as a result of your park home, they may due you for damages. If you lose, the court awards against you may be very high indeed. That is why third party liability insurance exists and it is worth considering.

Park home insurance, as per any insurance, may come with conditions and opportunities.

For example, you may be able to reduce the cost of your insurance if you fit additional security devices such as locks and alarms. You may also be able to reduce the cost of your insurance if you choose a park home that is not located in an area listed as being prone to flooding.

Carefully reading the conditions of your mobile home insurance policy is typically a very sound idea.

%%What is mobile home insurance?%% is a post from: Caravan Insurance Blog

Static caravans

A static caravan is one that’s only really notionally mobile. It may have wheels and perhaps be moved at the end of a season but for the most part it is secured on a single site in one location.

The wheels may typically be jacked up and the caravan anchored on concrete blocks or other semi-permanent standing.

It’s occupied typically for a few weeks or months each year by the owner (or their guests) for holiday and leisure break purposes.

Static insurance (more commonly called static caravan insurance) provides protection for caravans of this type and use.

Note – if you occupy a static caravan for longer periods of time, it may be advisable to consult your insurers as this may require a different form of cover.

Park homes

A park home is typically a custom-built residence on a specifically licensed park.

It’s usually a primary place of residence that’s permanently occupied.

The insurance required here is called park home cover and you typically cannot use static caravan insurance for a park home due to the entirely different risk profiles involved.

Static caravan insurance

The cover typically provided by some insurers offers protection against damage to your caravan due to storms etc, plus the risks arising to your contents and fittings due to burglary and theft etc.

Points worth noting with typical static caravan cover are:

• at the end of the season you may be obliged to drain down all water and heating systems;
• if your park is in a location known as being vulnerable to flooding, you may have trouble finding cover or have to pay a higher premium for it;
• areas outside of the caravan such as those under awnings, may have special conditions attached to them in terms of contents protection – reading those is typically a very good idea;
• some policies may restrict the nature of the contents that will be covered – for example some may not cover cash or very high-value jewellery left in the caravan unattended wile you’re away.

Some owners equip and furnish their static caravans to a very high level of comfort. A disaster to the caravan could be a financial disaster as well.

That’s why it’s important to take static insurance seriously and to find a policy suitable for your individual situation.

%%What is static insurance?%% is a post from: Caravan Insurance Blog

Static caravans are those that typically sit on a more or less permanent site location eve though they may be technically mobile. They are often large caravans typically equipped to a high specification and containing a lot of home comforts.

They are, of course, subject to general risks and those that are more specific to their nature, all of which needs to be taken into account when trying to compare static caravan insurance.

For example, a static caravan may be more vulnerable to wintertime natural disasters or burglary than say a motorhome. Typically static caravan insurance will insist that certain protections are taken to reduce such risks and these may include:

• using approved sites with full services and security (some premium discounts may be offered if the site is a member of a registered safe site scheme);
• the draining down of all plumbing systems in winter;
• the fitting of security locks and alarms;
• the closing or removal of awnings when unattended.

Some policies may also not cover static caravans if they’re used as a primary residence.

Some static home insurance policies may fully insure you for renting out your caravan to others, yet some other policies may not do so. The conditions around contents may also vary considerably with some policies not covering high-value items such as TVs, sound systems and jewellery whereas others may be more flexible in those areas.

All of these things need to be taken into account when making comparisons between static home policies and it can become complicated. So if you’d like to compare static caravan insurance the services of a specialist online caravan insurance provider may come in handy!

%%Compare static caravan insurance%% is a post from: Caravan Insurance Blog

New for old or depreciation
Providers typically offer insurance for your contents as new for old or they consider depreciation of your contents. If you take out a policy that provides you with brand new replacements for your contents, you may pay more in premiums than if you choose to go with a provider considering depreciation.

The provider may also offer new for old on the caravan itself. This typically means that if your caravan was destroyed, the policy provides a brand new replacement. However, there are typically certain conditions such as your caravan being under a certain age.

Boosting up the security of your caravan
Theft is one of the things your caravan insurance policy covers. Therefore if you payout to have added security on your caravan your provider may offer you savings on your insurance. You may choose to add a good quality alarm, security lighting and have your caravan tagged. Any of these measures may help to lower the cost of your premiums for cover.

Liability insurance
Liability insurance is needed in case a member of the public was to be hurt during a stay in your caravan. If they were then are able to take you to court to claim damages. Your liability insurance typically pays out up to a limit, towards your legal costs. You may be able to choose how much liability insurance is needed and of course, the more you choose the higher the insurance premiums are. However, it is important to ensure that you have adequate cover for your needs.

While your focus may be on obtaining cheap static caravan insurance it is also essential that you take out adequate overall protection and not skimp simply to save money on your insurance.

%%Cheap static caravan insurance – How you may be able to save%% is a post from: Caravan Insurance Blog

Do you own a brand new caravan?
If you own a brand new caravan then you may wish to check to find out if the insurance provider is offering new for old insurance. This means that if your caravan was destroyed you typically get a brand new replacement for it, providing it meets the criteria set out by the insurance provider. For example, this means it generally has to be under a certain age.

Replacement contents
As static caravans come with all the mod cons of home, the contents are valuable. If the contents of your caravan were to be destroyed or stolen, it may cost a lot to replace them. Therefore, you may want to make sure that you have adequate contents insurance. Taking an inventory of the entire contents including such things as personal possession, items in kitchen cupboards and furniture in your caravan is essential. You may also want to find out if the provider pays out new for old on your contents or if they consider deprecation. If you have new for old, any items that are destroyed or stolen are typically replaced as brand new.

Is your patio, fencing or decking insured?
Many static caravan owners build up decking, patios, and fencing around their caravan. If you have done so or intend to do so then you need to find out if these are covered in the insurance policy. For instance, if there was a fire, these were destroyed, and they were included in the policy, your policy typically pays out to replace them. If your provider includes them in your cover, they do not forget to add them onto your inventory.

Do you rent out your caravan?
If you rent out your caravan then check to find out how much public liability insurance is included in your static caravan insurance UK policy. Liability cover is typically included and it typically pays out towards any legal claims that may occur through a holidaymaker becoming injured in your caravan.

%%Choosing your static caravan insurance UK policy%% is a post from: Caravan Insurance Blog

While the benefits go towards how much you pay for your insurance, providers may offer reductions on insurance if you have considered certain measures. You may be able to make savings in the following ways, depending on the provider.

• you may wish to consider installing a good quality alarm system on your caravan. Often insurance providers recommend alarm systems that may help you to keep down the cost of your insurance premiums;
• join a specialist owners club, there are many other benefits to becoming a member than saving on the insurance;
• ensure that you keep proper maintenance of your caravan at all times such as checking awnings, decking, fencing and steps;
• install security lighting around your static caravan;
• choose a well lit site, preferably one that is walled in and has security on site.

What you may find included in your static caravan insurance
As a static caravan owner, you need to ensure that you are protected against such hazards as fire, storm, flooding, theft, and possibly accidental damage. Your policy may typically provide cover for these; however, in some cases you may have to pay more on your premiums to include accidental damage.

If you rent out your caravan to holidaymakers then you need to consider public liability insurance. It is typically found in your static caravan insurance but you may wish to check how much insurance you get. Liability insurance typically pays towards your legal costs in the event that you are sued by a third party who suffers an accident and injury whilst in your caravan. You may also wish to have rental income loss in your caravan insurance as this typically pays out if your caravan is damaged and you cannot let it out to those who have pre-booked it. Again the amount of cover included reflects on your static caravan insurance quotes.

%%Keeping the cost down on your static caravan insurance quotes%% is a post from: Caravan Insurance Blog

As insurance for your mobile home is considered a specialist type of insurance, high street lenders may not be the best choice when looking for a policy. You may therefore want to consider obtaining your quotes with an insurance provider who specialises in mobile homes.

Generally, with insurance for your mobile home your contents and the shell of your mobile home are covered. The outer shell of your home may be protected against such as storm damage, flooding, falling trees and vandalism. However, the only way to be sure is to check the small print of any cover you are considering taking out before buying it. Usually you are presented with at least a summary page, which it is advisable to read and you may want to delve deeper and look into the conditions before buying.

Your contents are usually covered but you may want to check to find out if the insurance policy also pays out for accidental damage. You may find that you need to add this into the insurance policy as an extra with some insurance providers while others may give you so much cover free. Another consideration is whether money and credit cards are insured if they were to be stolen from your mobile home. In addition, does the insurance cover the contents of your freezer and if so up to how much? You may also want to check to find out if the insurance provider pays out new for old on your mobile home insurance policy, or if depreciation is taken into account, when replacing belongings.

%%Mobile home insurance for your peace of mind%% is a post from: Caravan Insurance Blog

• The exterior and shell of your static caravan may be covered in the insurance policy. Usually the exterior is covered against such as damage by fire, lightning, flooding, subsidence, falling trees, branches and vandalism. If you have installed a patio around your caravan, you may want to check to find out if the insurance policy extends to protecting these too. However, you do need to check the exact details with your insurance provider to find out what the policy covers.
• The contents of your caravan are also protected under your insurance policy. This generally extends to such as the contents of your freezer, your personal possessions and perhaps electrical equipment such as your TV and DVD player.
• Check in the small print to find out if the policy covers your TV or satellite masts, sometimes these are covered for damage as the result of storm damage.
• You may also want to check in the terms and conditions to find out if your policy covers accidental damage. This might for example be any glass in TV screens, mirrors, toilet cistern or ceramic hobs.
• Also, check if the windscreen part of the policy includes your windows and skylights. You may also want to find out if you have to pay extra excess on these.
• Liability and personal accident insurance may come in with the standard static caravan insurance policy. This means you may be able to claim if someone were to get hurt or even die through your fault. Accident insurance may payout if you or a member of your family got hurt while you were on holiday in the caravan.

%%Static caravan insurance – features and benefits%% is a post from: Caravan Insurance Blog