They may have wheels and legally considered to be mobile homes, but static caravans are, for the most part, stationary and stored in the same place for many years. In recent years, static caravans have become increasingly popular and there are many different places that you can find them on sale – often at a coastal seaside resort or in a beautiful countryside location on holiday park sites.
Like any other residence, static caravan insurance is essential. These are valuable assets and the prospect of replacing one that has been damaged beyond repair that isn’t covered by insurance is not an inviting one. Most static caravan insurance will include both buildings and contents cover, but check this is the case before going ahead with a policy.
Mobile home insurance is similar to a normal house insurance policy. The buildings cover will cover the structure and permanent fixtures, including outdoor fixtures such as a patio or garden wall. Contents cover is for anything that is usually kept in the mobile home but can be removed easily.
And just like normal house insurance, the policies can be customised to suit your needs – especially if you go through a specialist insurer like Look Insurance, which specialises in leisure insurance.
For example, you can choose the level of contents cover to match the value of the items that you keep there. In general, a lower level for contents means lower premiums.
If you are planning to let your static caravan to other people to other people, make sure that the insurance policy you choose includes public liability protection and that the insurance will still be valid for occupancy by holiday makers. Look Insurance offers this as a standard, but other insurers may not do, or only include it as an optional extra.
As with every kind of insurance, you should go through the detail on any policy before you sign on the dotted line. That way, you know exactly what you’ll be covered for and at what price.
Owen is a keen car blogger, but sometimes he also likes to write about the financial side of automobiles. He will provide you with some really useful tips – everything from what kind of insurance you should go for when buying a caravan or just cars in general. Simon owns a static caravan and he normally uses it for leisure. But right now, he’s renting it out and naturally will he have static caravan insurance from Look Insurance.