Finding the Best Park Home Insurance: How to Compare Policies

Comparing park home insurance policies is really about deciding what “best” means for you, because the cheapest premium and value for money are not always the same thing.

A useful comparison starts with questions rather than prices. Park homes have particular features and costs, so it makes sense to look closely at what happens if you actually need to make a claim. Here are some questions worth asking any provider.

  1. Is the policy designed specifically for a residential park home?

A specialist policy should understand the property it is insuring. Park Home Assist has provided specialist park home insurance since 2005 and its policies are designed for residential park homes rather than adapted from ordinary household cover. That helps keep the cover and claims process relevant to the way you live.

  1. How would the policy replace my home after a total loss?

Do not compare only the headline buildings sum insured. Ask what happens around the replacement itself. Park Home Assist provides buildings cover up to £600,000 on a new-for-old basis regardless of the age of the park home, subject to the terms and conditions. Cover also includes site clearance, transportation and re-siting of the replacement home.

Those extra costs matter because replacing a park home is not simply a matter of rebuilding walls.

  1. What happens if I cannot live in my park home?

A serious insured event may leave the home temporarily uninhabitable. Ask what alternative accommodation is provided and whether pets are considered too. Park Home Assist includes alternative accommodation and emergency kennelling up to 25% of the buildings sum insured when the home is made uninhabitable by a cause covered under the buildings section.

  1. Are my contents and valuables covered to realistic limits?

A contents figure that looks generous at first glance still needs to fit what you own. Park Home Assist currently offers contents cover up to £75,000 and valuables up to £20,000 within the park home. Contents are replaced on a new-for-old basis except for pedal cycles and clothing, and the policy also includes features such as freezer contents, replacement locks and garden furniture cover.

A rough home inventory can help before comparing quotes, as everyday possessions can add up surprisingly quickly.

  1. Can I tailor the policy rather than pay for things I do not need?

Good value is not just about getting more cover. It is about getting useful cover. Park Home Assist offers optional accidental damage for buildings and contents, valuables and personal possessions away from the home, pedal cycle cover, mobility scooter cover, money and credit card cover, legal protection and home emergency cover. That allows you to concentrate on the additions that fit your circumstances rather than treating every park home owner as identical.

  1. Is help available if my park home is in a higher flood-risk area?

Flood cover is a particularly important comparison point if your residential park is in a higher flood-risk area. Park Home Assist participates in Flood Re, the Government and insurance industry scheme designed to improve access to affordable flood insurance for eligible homes in higher-risk locations.

  1. What support will I receive if I make a claim?

Price is easy to compare before you buy. Claims service is harder to judge, so ask who you will deal with. At Park Home Assist we have in-house claims co-ordinators who work alongside our dedicated claims team to keep customers informed. And we have received multiple industry awards for our customer service and claims handling.

  1. Compare value, not just the number at the bottom

Once you have answers to the same questions from each insurer, the premiums become much easier to compare properly. Look at the protection you would actually receive, the limits, optional extras and service as a whole.

The right park home insurance should give you peace of mind that the cover fits both your home and your circumstances. Our team can talk you through the details and help you understand what is included before you decide.

After all, the best insurance policy is not necessarily the one with the lowest price tag. It is the one least likely to give you an unpleasant surprise when you actually need it.

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 – 11/09/26