Residential Park Home Insurance

A Residential Park Home is, by insurance standards, classed as a non-standard risk; you therefore need a specialist Park Home insurance policy to cater for the specific needs attached to such a risk.

Our Parksure Residential Park Home Insurance policy is specifically tailored to cater to your individual needs and the differing requirements of any residential park home.  Parksure does this by offering one of the most attractive policies on the market.

Remember, if your current insurance policy makes no mention of the words Residential Park Home in the policy wording, how can you be sure you are insured correctly, if at all? All residential park home insurance claims are settled on the specific policy in question, so make sure you check yours thoroughly and look for those specific words.

Also, as park homes are a non-standard risk, be wary of companies that seem to offer too good a deal, they could be insuring your home as a ‘bricks and mortar’ property under a standard insurance policy.  Your home is not made of bricks and mortar;  it is made of marine ply-wood and is therefore more expensive to insure than its brick equivalent as it is more susceptible to certain claims.

A deal such as this may seem too good to pass up; after all it’s the insurance companies’ fault if they got it wrong, isn’t it? Actually, the emphasis is always on the customer to check and make sure they are insured on the correct basis. If you are insured on the incorrect residential park home insurance policy, you may find you are inadequately covered or not covered at all.

This is why at Parksure, we tailor our insurance for park homes to meet your needs.

WHAT’S COVERED?

The main benefits of our Residential Park Home insurance cover
  • Reinstatement (i.e. New for Old cover) Automatically covered for up to £500,000
  • Up to £50,000 worth of Contents Cover, as standard.
  • Full Accidental Loss or Damage cover, as standard.
  • Subsidence, Storm Damage, Flood and Escape of Water cover.
  • Fire, Theft, Attempted Theft and Vandalism cover.
  • Accidental Damage, caused by domestic pets covered.
  • Garden Contents up to £2,500.
  • Unlimited Freezer Contents cover.
  • Money and Credit Card cover up to £500.
  • Loss of Metered Water  up to £1000.
  • Optional cover for Portable Personal Possessions away from home.
  • Rent and Alternative Accommodation Cover.
  • Replacement Locks up to £1000.
  • Liability Cover- £5m Public Liability / £10m Employers Liability.
  • Home Owners Legal Expenses cover.
  • Home Emergency Cover Including Boiler Breakdown Cover
  • 24 hour Domestic Emergency Assistance Help Line.
  • Loss of Keys cover provided automatically.
  • Payment accepted by credit/debit Card and monthly instalments.

WHAT’S NOT COVERED?

Factors not covered in our Residential Park Home Insurance cover
  • Storm or Flood damage to fences or gates.
  • The first £500 of any claim for subsidence damage.
  • Malicious acts or vandalism caused by you or any tenant of the home or their guests.
  • Theft when the home is let unless the theft involves violent and forcible exit or entry
  • Theft when the home has been unoccupied for more than 90 days. Conditions apply.
  • Escape of water when your home is unoccupied for more than 90 days
  • Escape of water during the period 31st October to 1st April unless central heating is on a minimum of 15 degrees or water is turned off and drained down.
  • Smoke damage arising gradually out of repeated exposure.
  • Damage caused by wear and tear is not covered.
  • Damage to Money.
  • Damage caused by or resulting from faulty or defective workmanship.
  • We will only pay for individual damaged items and not for undamaged items belonging to the sets or suites.
  • These are just some of the key exclusions. Full details of your exclusions can be found in your policy wording.

FREQUENTLY ASKED QUESTIONS

REQUEST A QUOTE

If you require a free no obligation quotation, please click on the link below or ring us on Freephone 0800 731 9583.

OUR PAYMENT METHODS

For full details of how you can pay for your Insurances, please click on the link below.

RECOMMEND A FRIEND

If you are happy with the service and cover Parksure provide, why not recommend a friend?

You may even be entitled to a £10 Marks and Spencer’s voucher or £15 off your next years Renewal Premium if they take out our 5* Cover

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