Park homes are becoming an increasingly popular choice with people searching for a permanent holiday residence.
If you have found a destination that you wish to visit regularly, purchasing this type of property – also known as a residential caravan or mobile home – and installing it in a park is one of the best value for money options.
Some people choose to live in this type of home full time, as the cost makes it an attractive proposition for both first-time buyers and those seeking to stretch their retirement budget.
But you will want to make certain your investment is well protected and purchasing park home insurance policies is one of the best ways to do it.
Here at Shield Total Insurance, we have extensive experience of providing cover for this type of holiday property and can help you to find the best deal on the most suitable policy.
What does park home insurance cover?
The sort of cover you will need for a park home differs from that you would purchase for an ordinary property or caravan, so it is a good idea to seek out a policy designed specifically for the purpose.
To be eligible for park home insurance cover you need to own a residential structure that meets British Standard 3632 and make sure it is assembled using the manufacturer's instructions.
If your home complies with this, it is likely to be good quality, weather resistant and structurally sound.
Our cover provides protection for the park home and all associated buildings and structures, such as patios, balconies, steps and storage chalets, against unforeseen circumstances including storm, flood, vandalism, fire, lightning, landslip and subsidence.
Before finalising the terms of your policy it is a good idea to work out what the costs associated with replacing a destroyed park home might be and to make certain you have sufficient cover.
For example, the park owner is likely to charge for clearing the plot and the manufacturer may apply a delivery fee.
Your policy will also include contents cover that will help to ensure you don't end up out of pocket in the event of a break-in. This sum insured for contents is automatically increased by ten per cent every December.
In addition, our park home insurance will cover you for damage caused by water or oil leaking from domestic heating systems.
You may also wish to consider adding some extras when you insure your park home.
Among the options available are key protection, family legal expenses and cover for personal belongings, bicycles and wheelchairs away from your park home.
Why choose Shield Total Insurance for your park home insurance?
We are a specialist intermediary with extensive experience in the residential park home and leisure home insurance sector.
Our range of policies can be tailored to suit your exact needs and our expert staff will explain everything to you in plain English, rather than using the kind of jargon found in insurance paperwork.
Getting a quote is easy; simply log on to the Shield Total Insurance website and fill out a form for instant information about cost, or request a call back from one of our advisers.
And with park home insurance policies available from just £77.55, you can be confident that you will receive excellent value for money.