What to Look For When Comparing Leisure Home Insurance
What to look for when comparing leisure home insurance can be a daunting question. This guide from Park Home Assist is designed to help you find the best cover for a place that is so much more than a structure on a plot. It is your sanctuary, your escape from the daily grind, and the place where your family’s most cherished holiday memories are made. For most people, it also represents a significant financial outlay—often the second largest purchase made after a main residence. Whether it is a cosy static caravan or a luxury lodge, this is a home-away-from-home that deserves the best insurance cover.
At Park Home Assist, we believe your insurance should provide the best cover for both your lifestyle and the hard-earned capital you have invested. You might find it helpful to consider these features when ensuring your personal retreat is properly cared for:
- Cover that understands your home’s DNA: Unlike a house made of bricks, your leisure home is built with specialist materials and craftsmanship. Because this represents such a substantial initial investment, you may want a policy that is precise, recognising these unique builds so that if a repair is needed, it is done with the correct materials to maintain both the feel and the value of your home.
- Total peace of mind if the worst happens: If you suffer a total loss, due to a fire or storm, for example, is new-for-old insurance cover available? This will depend on the total sum insured and the type and age of your leisure home. It’s important to check the facts when taking out your leisure home insurance policy.
- The best cover while you are away: A home should not feel at risk just because you are not there this weekend. Because you have put so much into this property, find a policy designed around your lifestyle. Make sure it provides the best insurance cover for both the times you’re using your leisure home and when you are back at your primary residence.
- Think about the outdoor living space: So much of the joy of a leisure home happens on the decking or under the veranda. These additions are expensive assets in their own right, so you check whether your policy extends to these vital parts of your living space—including steps, hot tubs and storage sheds.
Essential Questions to Ask Your Leisure Home Insurance Provider
To ensure your lifestyle and your investment have the best insurance cover, consider asking us these questions. Park Home Assist is here to provide the answers and support you need, and you can always consult one of our experts on 01604 946 796.
- If I lose my holiday lodge to an accident, will the policy take care of all the messy logistics like clearing the site and re-siting a new one?
When you have lost your favourite place to unwind, the last thing you want is to be hit by the unforeseen thousands of pounds it costs to hire contractors for debris removal or specialised transport for a replacement. You might find it reassuring to know that we handle the heavy lifting, so your transition back into your happy place does not cost you any more than your excess. - Is my leisure home insured if I rent it out, or lend it to friends and family? At Park Home Assist we have flexible policy options, so you can include cover for holiday lets. You can also opt to include accidental damage or malicious damage when your property is let.
- How much property owners’ liability cover is included? The best part of park life is the community, but accidents happen. Most parks require £5 million in liability cover and this is included as standard by Park Home Assist.
- If I arrive for a long weekend and find the heating is out, can I call a 24/7 emergency line to get it fixed immediately?
Your leisure time is a precious commodity. If you arrive on a Friday night to a cold home, you do not want to spend your Saturday hunting for a plumber or paying emergency call-out rates from your own pocket. By taking out an additional Home Emergency Policy, you have the peace of mind that your weekend—and your wallet—won’t be severely impacted by an unexpected home emergency. - What discounts are available?
When comparing leisure home insurance, you may be surprised to learn that some discounts are available. For example, if you’re over 50, or your static caravan is within a certain age bracket, you could receive a discount. In addition, discounts may be available if you choose a higher policy excess.
Where to Compare and Check Feedback on Leisure Home Insurance
Before making a decision, you may want to look at feedback from existing customers. This is often where you will get more trusted information about how a provider actually behaves when you need them most, rather than just what they promise in a brochure. To help you feel confident in your choice, you might find it useful to consult these independent platforms:
Feefo: Read reviews from genuine customers and look for independent seals of excellence like the Platinum Trusted Service Award. At Park Home Assist, we have achieved this for several consecutive years, reflecting a commitment to service that has also seen us win the 2024 Customer Experience Award at the British Insurance Awards.
As a specialist provider of insurance for leisure lodges, static caravans and park homes, Park Home Assist offers tailored protection for your holiday property. For assistance or questions, please contact the team at 01604 946 796.
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 – 17/04/26
