What is park home insurance?
Park home insurance is a form of financial protection that covers park home owners against the various risks associated with park home ownership.
Owning and living in a park home has tons of benefits, such as lower running costs and an increased sense of security, but like anything—it’s not without risk.
For example, things like theft, fire, and damage are risks associated with owning a park home. However, park home insurance is specifically designed to protect against these.
Why choose Ripe?
Create your own policy
This specialist park home policy has been designed so that you can add the cover you require to your policy quickly and easily. This means you never pay for cover you don’t need.
Backed by the Ripe Guarantee
Insurance that takes good care of you with great cover, exceptional service at our best price. Click here to find out more.
Building and contents cover
Cover your park home including fixtures and fittings up to the value of £500,000 and contents up to the value of £75,000.
What does our park home insurance cover?
- Buildings cover up to £500k
Cover your park home including fixtures and fittings up to the value of £500,000
- Theft, Fire and Flood Damage
Cover against damage caused by theft, fire or floods up to £500,000
- £5m Public Liability
£5m Public Liability cover is included as standard, protecting you against the risk of any claims for injury to another person or property damage
Provides cover of up to £250 for theft of money from inside your home
- Theft and loss of keys
Covers the cost of replacing locks on your home if the keys are lost
- Frozen food
Covers the loss of food that needs to be replaced should your freezer stop working
- Vermin cover
The policy covers damage to your home caused by common pests including rats and mice
- Contents cover up to £75,000
Choose to cover the contents of your park home up to £75,000
- Accidental damage
Provides cover for the accidental damage of the building (e.g. windows, walls, etc.) and its contents (e.g. carpets, electrical items and upholstery)
- Valuable items cover
Cover for valuable items such as jewellery, antiques, portable electronic equipment and works of art worth £1,500 or more
- Personal Possessions including cycles
Choose to add cover for personal possessions such as sports equipment
- Specified items away from home
Choose to specify individual items you want to cover away from your park home
- Protected no claims bonus
Protect your no claims bonus in the event you make a claim. This option is only available if you’ve built up at least three years of no claims bonus with any provider
- Home emergency cover
Provides help to resolve situations where your park home becomes unsafe or insecure or if there is risk of further damage to the home
- Mobility scooter cover
Provides cover for theft, loss and damage to your class 2 or class 3 mobility scooters and powered wheelchairs while in and away from the home
- Insurance for hot tubs
Provides cover for damage to hot tubs when left outside of the park home, including damage or loss caused by storms or theft. Inflatable or wood fired hot tubs are not covered
- Increase excess
Choose to voluntarily increase your excess up to £500 to reduce the cost of your policy
What's not covered
- Wear and tear
We cannot cover loss or damage caused by decay, wear and tear (natural and predictable damage which happens over time or due to normal use), moth, insects, gradual weathering, atmospheric or climatic conditions, wet or dry rot, fungus, domestic pets or damage caused gradually
- Freezers over 10 years old
We don't cover loss or damage to frozen food if your freezer was more than 10 years old at the time of loss
- Unattended personal possessions
We can't cover theft or loss of personal possessions left unattended while away from home
- Mobility scooter theft
We don't cover againt theft while away from home unless the mobility scooter is secured to an immovable object with a security chain or is inside a locked building
- Mobility scooter liability
We don't cover liability arising from the use of any mobility scooter which is registered for road use
For more information about what isn’t covered under the terms of our park home insurance, please read our insurance booklet.
Why should I consider park home insurance?
If you live in a park home, it’s important that you have insurance that reflects your different needs as a park home owner compared to a traditional homeowner.
For example, let’s say a bad storm hits and causes severe damage, or you find yourself in a legal dispute with your site owner. Without the right park home insurance, events like this could leave you substantially out of pocket.
Not only are you understandably protective of your park home, but you know better than anyone that repairs can be expensive should anything go wrong. So, while there’s no legal requirement to have park home insurance, you run the risk of suffering serious financial loss by not having it.
How much does park home insurance cost?
The cost of your park home insurance depends on several factors, such as the monetary value of your park home, where you live, and the level of cover you choose.
For a more accurate picture of what your cover could cost, get a personalised quote here.
Why do I need park home insurance?
If you live in a park home, you’ll want to ensure you and your home are protected—in the same way you’d want standard home insurance in place for a bricks-and-mortar home.
Living in a park home can be very different to living in a traditional home. It also carries different risks, so you need cover that reflects those differences. Without it, you could be left substantially out of pocket.