Park Home Insurance: Cover for Residential and Holiday Park Homes

What is park home insurance?

Park home insurance is specialist cover for static caravans and park homes used either as a main residence on a residential park or as a holiday home on a leisure park. These properties are built and sited differently from traditional bricks-and-mortar homes, and standard home insurance isn't designed to cover them, making specialist cover necessary.

Policies typically cover the park home structure itself along with contents, and often include features relevant to park living, such as cover for the base or pitch, outbuildings like sheds or decking, and liability to other park residents or visitors.

Who needs park home insurance?

Anyone who owns a park home, whether it's their main residence or a holiday property, needs this type of specialist cover rather than a standard home insurance policy. Many park site agreements or licence conditions also require residents to hold adequate insurance as a condition of keeping their home on the park, so it's often a practical necessity as well as a sensible precaution.

This applies to both age-restricted residential parks, common for retirement living, and holiday parks where the home is used seasonally rather than year-round. The specific cover needed can differ between these two uses, so it's worth being clear about how the home is occupied when seeking a quote.

What's typically covered

Park home policies generally cover the structure against fire, storm, flood, theft and accidental damage, along with contents cover for belongings inside the home. Many policies also include cover for the base, skirting, and any attached structures such as porches, decking or garden sheds, which are common features of park homes but not always automatically covered under generic policies.

Liability cover is also an important feature, protecting the owner if a visitor is injured on the pitch or if damage is caused to a neighbouring home or communal areas. Some policies also include cover for alternative accommodation if the home is damaged and uninhabitable, and may offer public liability extensions relevant to shared park facilities.

• Structure, base and attached features like porches or decking
• Contents cover for belongings inside the home
• Public liability cover relevant to park living
• Alternative accommodation if the home is uninhabitable

What affects the price

The cost of park home insurance depends on factors such as the age, size and construction of the home, its location and exposure to weather (park homes can be more vulnerable to storm and wind damage than traditional houses), and whether it's used as a main residence or seasonally. Security measures, the park's own management standards, and the owner's claims history also play a role.

Because park homes can have a different claims profile from traditional housing — for example, being more susceptible to certain types of weather damage — insurers price these policies with that in mind, which is part of why specialist cover tends to be more suitable than adapting a standard home policy.

Tips for park home owners

Check your park's licence agreement for any specific insurance requirements, such as minimum liability cover, as some parks set conditions that your policy needs to meet. Keep your contents sum insured up to date, and consider whether attached structures like decking or sheds are automatically included or need to be added separately.

If your park home is used seasonally, make sure the policy accommodates periods when it's left empty, similar to how holiday home policies work, and check whether cover is affected by extended unoccupancy during the off-season.

How to get a quote

Park homes need insurance tailored to their specific construction and use, so it's worth speaking to a specialist broker rather than relying on standard home insurance. Fill in the short form on this page and an FCA-authorised specialist broker will be in touch to discuss cover for your park home, with no obligation to proceed.

Frequently asked questions

Can I insure a park home with a standard home insurance policy?

No, standard home insurance generally isn't designed for the construction and siting of park homes, so specialist park home insurance is usually needed.

Does my park require me to have insurance?

Many park licence agreements require residents to hold adequate insurance, often including a minimum level of public liability cover, so it's worth checking your specific park's terms.

Are sheds and decking covered under park home insurance?

Many specialist policies include cover for attached structures like porches, decking and sheds, but it's worth confirming this is included rather than assuming, as it can vary between insurers.

Is park home insurance different for holiday parks compared to residential parks?

Yes, policies are often tailored differently depending on whether the home is a main residence or a seasonal holiday property, particularly around unoccupancy periods.

Does park home insurance cover storm damage?

Storm and wind damage cover is typically included, which is particularly relevant given park homes can be more exposed to weather than traditional brick-built houses.