Table of Content
Expensive materials, for instance, or those that are hard to source, could inflate your premium. Loss or damage to your park home and contents from fire, flood, or theft. Unfortunately, we are unable to provide cover on mobility scooters at this time.
As a Park home specialist broker, we shop around through our panel of park home insurers, to find the right policy for you. In the event of a claim on your policy, our friendly professionally qualified team of park home experts, will help guide you through the claims process. You could be entitled to an exclusive Coast discount – for instance, we offer discount park home insurance for retired customers aged 50 and over, plus we provide 20% discount park home insurance for residents with a no claims bonus. Location – sites located in low crime areas typically correlate to lower costs for homeowners.
Types of Park Home Cover
Parksure does this by offering one of the most attractive policies on the market. Know the basics and then comparison shop to find the best coverage for you and your home. Protects you, as the homeowner, from third parties who may press a legal suit, suffer personal injury, etc.
You should be able to insure it through the company who provided the scooter. You are covered for up to £5 Million for your legal liability as the owner of the home. In the event your home has been horribly damaged, and it’s not possible to live in it, this type of policy will provide you with an alternative place to temporarily live. Tenant insurance (often referred to as renter’s insurance), is a very inexpensive way to protect the value of your personal property, should it be damaged, destroyed or stolen.
What Would it Cost to Rebuild Your Home?
The design of these park homes does vary, many of the older varieties resemble static caravans but more recent builds can be quite luxurious and often resemble bungalows. Park home sites are located the length and breath of the United Kingdom, at the last count there were nearly two thousand sites, with property being used as either holiday or permanent homes. Rebuilding costs are skyrocketing and many insured homeowners may find themselves without adequate insurance if they suffer a major loss. Please complete our Home Evaluation form to ensure you receive all the coverage you need for your home. It is very unlikely that your standard buildings and contents cover will provide cover for your park home as well; this is often due to a number of factors which increase the risk. These can include the construction materials, the gas and electricity supplies, portable heating appliance, and risk of fire and storm damage due to location.
Park homes have an advantage over traditional build properties, in that are often obtainable for a fraction of the cost. Once your park home has been, located on it’s site, it is usual to pay the site owner, some form of annual rent. This rent will in part be used for the up keep of the site and of course for the privilege of keeping your home on it’s pitch and for providing services. There are some municipally run sites but if privately owned, the site owner must have a licence, your local authority should be able to help you with details of this.
Insure your thatched property
Actually, the emphasis is always on the customer to check and make sure they are insured on the correct basis. If you are insured on the incorrect residential park home insurance policy, you may find you are inadequately covered or not covered at all. Yes, due to the differences in construction between a traditional home and a mobile home.
Park homes are made to be lived in on a specific type of site, usually referred to as a “pitch,” which is usually located in a park for mobile homes. They are classified “non-standard” buildings (referring to the materials used to build them and the way they’re built). At Intasure, we’ve got decades’ worth of experience helping homeowners secure park home insurance. We can also help you personalise your policy with optional extras if needed, such as New for old cover and increased liability for insured claims.
You are covered for up to £2,500 for damage to garden furniture, ornaments and normal contents found in the garden. The base or ‘serviced pitch’ is owned by the site owner and it is therefore the responsibility of the site owner to insure the base against, for example, subsidence or damage. If you’d like to insure your home’s contents, then this policy works to replace household items damaged beyond repair with new ones. Living in a smaller neighbourhood with other park homeowners creates a sense of community spirit. Park home living sites are usually located in more rural areas, making them perfect for anyone looking for more peace and quiet in their lives.
In the event your home is destroyed, it will be replaced with a new equivalent—no matter the age of your home. These policies may also include site clearance (clean up & removal of debris where your house is located), re-sitting, delivery and more. Mobile home living has attracted more retirees due to cost and people looking to downsize comfortably. A policy excess of £25 applies to all sections of the policy except subsidence, where an excess of £50 applies. To complete and we can usually get back to you the same day, but please allow 24 hours for a reply.
Most standard homes are made of “bricks and mortar,” while park homes are made of fiberglass and plywood; they’re also manufactured in a factory, making them classified as “non-standard” constructed homes. Standard built homes offer a lower risk to damage from storms, etc. However, mobile homes pose a slightly higher risk to damage due to the materials used to build them. The foundation of Coast’s success is built on our park home insurance. We have been protecting park homes and their contents for two decades, which has given us plenty of time to develop our policies to provide our customers with the best possible cover. In the event of a total loss your insurance will replace your home with its brand new equivalent on a like for like basis.
Your sums insured therefore need to be sufficient to include the replacement of your home with a brand new equivalent home, clearance of the site and deliver and re-siting of the new home. When compared to traditionally built homes, yes, park home insurance does tend to cost more. The reason is the higher risk of park homes to damage due to their non-standard building methods and materials. Our specialist team can help you find competitive insurance for static caravans and mobile homes, today.
At Intasure, we offer Residential park home insurance to meet your individual needs. Speak to our team today, and we’ll assist you in arranging cover that’s suitable for your park home. A Residential Park Home is, by insurance standards, classed as a non-standard risk; you therefore need a specialist Park Home insurance policy to cater for the specific needs attached to such a risk. Some policies will also replace external locks on your vehicle, park home, and possibly even your office. This is why standard homeowner’s insurance will not protect a park home.
In addition, some mobile home parks require you to have property owners’ liability insurance, which protects you from third parties who are injured or whose property is damaged while on your home’s site. To be labelled a park home, a residential caravan must meet the specifications of British Standard 3632. The home is prefabricated, and it must be assembled on a site according to the manufacturer’s directions, and the home must meet specific health and safety standards.
Alternative accommodation and pitch fees following damage to your park home, so you’re not left stranded and out of pocket. You are responsible for insuring any outbuildings that you own, such as sheds, conservatory, garages, steps and decking/veranda. Yes you are covered up to £5,000 as long as the garage or outbuilding was locked. Full details of your exclusions can be found in your policy wording. Compare and save on hundreds of insurance, utility, financial and business products with My Money Comparison. Covers emergency repairs to your park home, such as a burst pipe or the furnace not working, etc.
No comments:
Post a Comment