A park home is a detached, single-storey residence that is permanently sited on a private park or estate. Park homes are usually manufactured off-site and transported to their location. When buying a park home, you own the building but not the land it sits on, which is leased from the site owner.

Is park home insurance a legal requirement?

No, park home insurance is not a legal requirement. However, without insurance you may be exposed to significant financial loss if your park home is damaged or destroyed.

How much should I insure my park home for?

You should insure your park home for the full cost of rebuilding it to the same specification, plus any contents cover you wish to include. Through Ripe, park homes can be insured up to £500,000 for fixtures and fittings and contents up to £75,000.

What are the different types of park home insurance?

Park home insurance through Ripe can include buildings cover, fire, flood and theft protection, public liability, theft of money, and frozen food and vermin damage. Optional extras include contents cover and accidental damage.

Does my cover include a policy excess?

Yes. Park home insurance policies include a policy excess, with various excess options available when getting a quote. Full details can be found in the Insurance Schedule.

What are classed as contents or personal possessions?

Contents are household goods or items used in or around the home that are not permanently fitted. Personal possessions include items such as sports equipment, valuable items, clothing, baggage and bikes. Further guidance is available in the Ripe Park Homes Insurance Booklet.

Do I have to pay for my policy upfront?

No. You can choose to pay for park home insurance in a single lump sum or spread the cost using monthly payment options available at checkout.

Can I live permanently in a park home?

Yes, park homes are often designed as permanent residences. Residential park home sites typically have licences allowing full-time occupation, but rules can vary between sites so it’s important to check before purchasing.

Is a park home the same as a mobile home?

A park home is a type of mobile home. While they are often transported to site, park homes are usually permanently stationed. Other mobile homes include touring caravans, trailers and motorhomes.

What is the lifespan of a residential park home?

Park homes typically last between 40 and 70 years, although with proper maintenance newer park homes can last up to around 80 years.

Can you get a mortgage on a park home?

No, mortgages are not available for park homes because you own the home but not the land it sits on. Buyers usually need to fund the purchase through other means.

Do you pay council tax on a park home?

Yes, if the park home is your main or permanent residence, council tax is payable. The amount depends on the council tax band and local authority rates.

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