How to Choose the Best Insurance Policy for Your Park Home

How to choose the best insurance policy for your park home often comes down to one simple idea: value for money. Not necessarily the cheapest price, and not the most expensive package either, but the balance between what you pay and what you actually get. Because every park home is different, the best policy is usually the one that fits your life, rather than a one-size-fits-all solution.

The best park home insurance policy for your lifestyle

A useful place to start is with one key question: Does this policy reflect how I really live in my park home? Some people live in their park home all year round, while others use it as a second home or a seasonal retreat. The way you use your home affects everything from contents cover to how often it is occupied, and a good insurer should be able to take this into account.

Park Home Assist is built around this idea of tailoring cover. Instead of forcing everyone into the same package, our approach allows you to select the elements that matter to you, whether that’s higher contents limits, accidental damage, or protection for outbuildings and decking.

What’s included?

Another helpful question to ask is: What exactly is included if something goes wrong? It’s easy to assume that “buildings insurance” covers everything, but park homes have features that traditional houses don’t – from timber structures and skirting to steps, verandas and utility connections. Making sure these are properly recognised in your policy can prevent unpleasant surprises later, and ensure that you have the best policy for you.

Park Home Assist’s specialism in park homes means these details are already part of the conversation, rather than being treated as unusual extras.

Can I insure an older park home?

You might also like to ask: How does the policy handle older homes? Many park homes have been lovingly maintained for decades, but their age can affect how insurers view them. Some providers become restrictive, while others, like Park Home Assist, may ask for photos or details so the home can be assessed fairly rather than simply declined.

What happens if I need to make a claim?

Value for money is also about what happens when you need help. So another question worth asking is: What support do I get if I need to make a claim? A policy is only as good as the service behind it. Park Home Assist’s reputation for customer service, backed by independent reviews and multiple awards, is part of what many park home owners factor into their idea of value.

What are the optional extras?

It can also be worth considering optional extras. Not everyone needs legal expenses cover, home emergency assistance or enhanced contents protection, but for some people these can add a lot of peace of mind. The key is being able to include what is relevant to you, rather than paying for things you don’t need.

Finally, you might ask: Can this policy grow with me? If you add a new veranda, upgrade your kitchen, or simply accumulate more belongings over time, a flexible insurer allows you to adjust your cover so it is still the best one for you.

How to choose the best insurance policy for your park home is really about asking the right questions and finding a provider that answers them in a practical, human way. By focusing on value for money, customer care and flexibility rather than just the headline price, at Park Home Assist we aim to help park home owners protect what matters most.

If you have any questions about your park home insurance then please contact our team on 01604 946 796. They will be happy to help.

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 – 16/01/26