What Is a Mobile Home And What Sort Of Insurance Does It Need?

In English law static caravans, touring caravans and motorhomes and even residential park homes can all be described as mobile houses. Nonetheless, every one of the aforementioned 'mobile homes' have extremely distinct characteristics and present different kinds of insurance risk. It's essential therefore to know what to look and search for when insuring your touring caravan, static caravan, motorhome or park house. Hopefully this guide will decipher the jargon and leave you somewhat wiser as to what type of insurance cover you need.

Some mobile properties such as static caravans and park homes are obviously not very mobile but can be transported on a really large low loader unlike a bricks and mortar home! Of course you might have observed this occurring when you have driven on the motorway. Despite often having little wheels for slight movement into position during siting, park homes and static caravans spend all or most of their helpful lives in one place. Occasionally, an owner might want to move site.

When shopping for insurance it's actually only the terms "park" and "mobile" home that are sometimes used interchangeably, in other words a park home insurance policy might at times be labelled a mobile home insurance policy.

The rest are fairly straightforward. Ultimately it's advisable to look for a specialist insurance policy specific to your variety of mobile property. So when insuring a static caravan, search for 'static caravan insurance' and so on.

There are huge differences between covers for the various sorts of mobile houses.

For instance residential park homes insurance is a residential policy which reflects you living in your park home full time and having all your worldly possessions kept inside. Whereas touring caravan and motorhome policies very often limit your usage to holidays for up to 6 months or 8 months in a year. A motorhome policy covers you for road dangers including third party liabilities. A static caravan policy covers you for the likes of debris removal, resiting and reconnection - clearly if your static caravan is destroyed by for instance storm, flood or fire it's fairly pricey to remove the damaged unit, and resite a new one (usually done by crane) and reconnect all the utilities.

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