Ten Insurance Tips for Leisure Homes

Our insurance tips for leisure homes are worth spending time on, particularly if your property is used seasonally. Leisure homes are used differently from permanent residences, and insurance works best when it reflects that reality.

  1. Be clear about how the home is used

Insurers will usually want to understand how often your leisure home or holiday caravan is occupied. A home used occasionally presents different risks to one that is occupied more regularly. Park Home Assist policies are designed with seasonal and part-time use in mind.

  1. Understand unoccupancy conditions in leisure home insurance

Many policies include conditions around how long a home can be left empty before certain covers are restricted. This can sometimes come as a surprise, particularly over winter. Make sure to discuss this with your leisure home insurance provider. At Park Home Assist, we have many years of specialist experience and an award winning team just a phone call away, who are happy to help you get the right cover for you.

  1. Review buildings cover carefully

Leisure homes are often constructed using non-standard materials and methods. The rebuilding cost, rather than market value, is often what matters for insurance. Park Home Assist works with insurers experienced in this type of construction and has years of experience to draw on when you need it. If you suffer a total loss, new-for-old cover for static caravans, for instance, is available for caravans less than 20 years old.

  1. Don’t overlook contents insurance

Even though a leisure home isn’t your main residence, its contents can still represent a significant investment. Furniture, appliances, soft furnishings and personal belongings can all add up.

  1. Think about accidental damage insurance cover

Accidental damage can be particularly relevant if your leisure home is shared with family, friends or guests. This cover is included as standard when the leisure home is for personal use and can be added on as an optional extra if the property is let.

  1. Check storm and weather protection

Leisure homes are often located in exposed settings such as coastal or rural parks. Storm cover is included as standard with Park Home Assist.

  1. Consider home emergency options

If something goes wrong during a stay — such as a burst pipe or electrical fault — optional home emergency cover can be an essential help.

  1. Check security requirements

Security expectations can vary between insurers, especially for homes left unattended for longer periods. Park Home Assist understands the realities. Of this type of home and always works to provide the right cover for your circumstances..

  1. Be aware of site-specific rules

Some holiday parks include insurance requirements within pitch agreements. Specialist providers can help ensure compliance.

  1. Value goes beyond the price

While cost matters, value often lies in specialist knowledge and the support you receive in the event of a claim. Park Home Assist’s Feefo Platinum Trusted Service Award reflects our commitment to providing the best value for money and peace of mind with our leisure home insurance cover.

Please note that all insurance cover is subject to acceptance of terms and conditions.

This is a marketing article from Park Home Assist, multi award-winning providers of park home insurance, mobile home insurance, insurance for static caravans,  insurance for holiday homes and holiday lodges, as well as boat insurance and touring caravan insurance. If you have any questions about your insurance, then please call our office on 01604 946 796 and one of our insurance advisers will be happy to help.

Published – 06/03/26