Park Home Insurance (UK)

Park homes can be different from standard brick-built houses, and insurance is often arranged through specialist providers. A park home policy may cover the structure, your belongings, and certain risks that can be more common for this type of property.

Cover and eligibility vary by provider, location, construction type, and whether the park home is your main residence.

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What you'll need to start a quote

•Property postcode
•Whether it is your main residence
•Approximate rebuild or structure value (if known)
•Contents value estimate (if relevant)
•Any recent claims (if applicable)

Who This Page Is For

This page is for UK residents who:

live in a park home as their main residence
own a park home on a residential park
want specialist cover rather than standard home insurance
want to compare options quickly and understand what affects pricing

If you are looking for cover for a caravan used mainly for holidays, the right type of policy can differ from park home insurance.

How Park Home Insurance Is Different from Standard Home Insurance

A park home is typically factory-built and then sited on a park. Because of the construction and location, insurers may treat risks differently than for a standard house.

Differences can include:

how the structure is valued and repaired
how weather-related risks are assessed
requirements around security and maintenance
specialist repair materials and labour

This is why many providers treat park home cover as specialist insurance. If your park home is left empty for extended periods, you may also need to consider unoccupied property cover.

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What a Park Home Policy May Include

Policies vary, but park home insurance may include:

cover for the structure of the park home (often similar to buildings cover)
cover for contents and personal belongings
cover for fixtures, fittings, and external structures (where included)
liability cover (depending on provider)
optional extras such as accidental damage (where available)

Always check what is included, limits, exclusions, and the excess.

What Affects the Cost of Park Home Insurance

Insurers often consider factors such as:

location and postcode
whether it is your main residence
the age, build type, and condition of the park home
security features (locks, alarms where declared)
claims history
cover level, excess, and optional extras
whether the home is left unoccupied for long periods

Because insurers assess risk differently, comparing providers can help you understand options.

Practical Ways to Keep Cover Suitable and Affordable

1. Compare providers and review what is included

2. Choose cover limits that reflect the true replacement value

3. Check the excess is realistic for you

4. Be accurate with usage and occupancy details

5. Review optional extras carefully and only add what you need

The goal is cover that fits your property and circumstances. If you want to spread the cost, see our guide to pay monthly options.

If you are new to insuring property, our first time buyers page covers general guidance on buildings and contents cover that may help with understanding terms.

For those who rent out property, our landlord insurance page explains what landlord cover typically includes.

FAQs: Park Home Insurance (UK)

Do I need specialist insurance for a park home?

Often, yes. Many standard home insurance policies are not designed for park homes, so specialist cover may be more suitable.

Is park home insurance available if the home is older?

It can be, but eligibility varies by provider and depends on construction, condition, and location.

Does it cover contents as well as the structure?

Some policies can cover both, but cover varies. Always check what is included and any limits.

What information do I need to compare quotes?

Typically the property type, location, build details, approximate value, security, and claims history.

Can I pay monthly?

Some providers offer monthly payment options, but terms can vary. Comparing is often the easiest way to see options.

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How We Created This Page (Transparency)

This page was created to help UK residents understand park home insurance, what it can include, and what to check when comparing options. It is reviewed regularly for clarity and accuracy.

Important Information

MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and does not constitute financial advice.