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Building and contents cover
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What does park home insurance through Ripe cover?

What's covered

Buildings cover up to £500k

Cover your park home including fixtures and fittings up to the value of £500,000

Theft, Fire and Flood Damage

Cover against damage caused by theft, fire or floods up to £500,000

£5m Public Liability

£5m Public Liability cover is included as standard, protecting you against the risk of any claims for injury to another person or property damage

Money

Provides cover of up to £250 for theft of money from inside your home

Theft and loss of keys

Covers the cost of replacing locks on your home if the keys are lost

Frozen food

Covers the loss of food that needs to be replaced should your freezer stop working

Vermin cover

The policy covers damage to your home caused by common pests including rats and mice

What's optional

Contents cover up to £75,000

Choose to cover the contents of your park home up to £75,000

Accidental damage

Provides cover for the accidental damage of the building (e.g. windows, walls, etc.) and its contents (e.g. carpets, electrical items and upholstery)

Valuable items cover

Cover for valuable items such as jewellery, antiques, portable electronic equipment and works of art worth £1,500 or more

Personal Possessions including cycles

Choose to add cover for personal possessions such as sports equipment

Specified items away from home

Choose to specify individual items you want to cover away from your park home

Protected no claims bonus

Protect your no claims bonus in the event you make a claim. This option is only available if you’ve built up at least three years of no claims bonus with any provider

Home emergency cover

Provides help to resolve situations where your park home becomes unsafe or insecure or if there is risk of further damage to the home

Mobility scooter cover

Provides cover for theft, loss and damage to your class 2 or class 3 mobility scooters and powered wheelchairs while in and away from the home

Insurance for hot tubs

Provides cover for damage to hot tubs when left outside of the park home, including damage or loss caused by storms or theft. Inflatable or wood fired hot tubs are not covered

Increase excess

Choose to voluntarily increase your excess up to £500 to reduce the cost of your policy

What's not covered

Wear and tear

We cannot cover loss or damage caused by decay, wear and tear (natural and predictable damage which happens over time or due to normal use), moth, insects, gradual weathering, atmospheric or climatic conditions, wet or dry rot, fungus, domestic pets or damage caused gradually

Freezers over 10 years old

We don't cover loss or damage to frozen food if your freezer was more than 10 years old at the time of loss

Unattended personal possessions

We can't cover theft or loss of personal possessions left unattended while away from home

Mobility scooter theft

We don't cover againt theft while away from home unless the mobility scooter is secured to an immovable object with a security chain or is inside a locked building

Mobility scooter liability

We don't cover liability arising from the use of any mobility scooter which is registered for road use

For more information about what isn’t covered under the terms of our park home insurance, please read our insurance booklet.

Why is park home insurance important?

Living in a park home can be very different to living in a traditional bricks-and-mortar home. It also carries different risks, so as an owner, it’s important to have park home insurance that reflects this.

Not only are you understandably protective of your park home, but you know better than anyone that repairs can be expensive should anything go wrong. So, while there’s no legal requirement for you to have park home insurance, you run the risk of suffering serious financial loss by not having it.

For example, let’s say a bad storm hits and causes severe damage, or you find yourself in a legal dispute with your site owner. Without the right park home insurance, events like this could leave you substantially out of pocket.

How much does park home insurance cost?

The cost of park home insurance depends on several factors, such as:

the monetary value of your park home
where you live
the level of park home cover you choose

The best way to get a more accurate picture of what your park home insurance could cost is to get a personalised quote online.

Get a quote

Why choose Ripe for park home insurance?

Create your own policy

This specialist park home policy has been designed so that you can add the cover you require to your policy quickly and easily. This means you never pay for cover you don’t need.

Backed by the Ripe Guarantee

Insurance that takes good care of you with great cover, exceptional service at our best price. Click here to find out more.

Building and contents cover

Cover your park home including fixtures and fittings up to the value of £500,000 and contents up to the value of £75,000.

Refer your friends and you'll both be rewarded

If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice but your friends could make some great savings too!

Find out more

What is the difference between park home insurance and regular home insurance?

Life in a park home can be different to life in a regular home, and there are several unique risks that come with the former, too.

Be it vandalism or extreme weather damage, specialist park home insurance is designed to cover these unique risks. Park homes are often also built with different materials to regular homes, and so require specialist cover to reflect that.

Another key difference between the two is ownership. Park home owners will normally own the home itself, but rent the land it sits on—as opposed to a regular freehold home owner, who will also own the land. Therefore, regular home insurance would not be suitable and park home insurance recognises this difference.

How can I make a claim?

Our park home insurance claims service is provided by our nominated claims handlers, Davies Group.

If an incident occurs, you can contact Davies Group on 0344 274 0272 or email newclaim.ripe@davies-group.com. More information on our claims process can be found in our Insurance Booklet.

Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your online account.

Park home insurance FAQs

Is park home insurance compulsory?
- No, park home insurance is not compulsory. However, you run the risk of suffering serious financial loss by not having a policy in place.
How much should I insure my park home for?
- How much you choose to insure your park home for is up to you and will depend on the full cost of rebuilding your home to the same specification, plus any additional contents cover you may choose to include on your policy.
  
  Through Ripe, you can cover your park home, including fixtures and fittings, up to the value of £500,000 and contents up to £75,000.
What are the different types of park home insurance?
- With Ripe, you can choose the level of park home insurance you need. The following cover can be included on park home insurance policies through Ripe:
  - Buildings cover
  - Theft, Fire and Flood Damage
  - Public Liability
  - Theft of Money
  - Theft and Loss of Keys
  - Frozen Food
  - Vermin Damage
  You can also choose to include optional extras, such as Contents cover up to £75,000 and Accidental Damage to your building.
How long can I leave my park home unoccupied?
- With Ripe, your park home would be considered unoccupied you have not stayed there for more than 30 consecutive days or it is insufficiently furnished for normal occupation.
  
  Your park home must be your permanent residence and must not be left unoccupied unless agreed in advance by us in writing.
Does my cover include a policy excess?
- Park home insurance through Ripe offers various policy excess options, which you can view when you get a quote. More information about excesses can be found in the Insurance Schedule.
What are classed as contents or personal possessions?
- Contents are classed as household goods or items intended for use in or about the home that are not permanently fitted.
  
  Personal possessions are classed as property such as sports equipment, valuable items, clothing, baggage, bikes, or other similar items normally used outside the home.
  
  Further guidance on item classification can be found in the Ripe Park Homes Insurance Booklet.
Do I have to pay for my policy upfront?
- No. With Ripe, you do not have to pay for your park home insurance policy upfront in one lump sum—although the option to do so is there should you prefer. Alternatively, monthly payment options are available at checkout.
Can you get a mortgage on a park home?
- No, you can not get a mortgage on a park home. Instead, you must fund the purchase through alternative means.
  
  The most common ways park home owners do this include taking out a park home-specific loan, using a part-exchange finance scheme, or simply buying outright in cash.
  
  You can read about park homes and mortgages in more detail on our blog.
Can I live permanently in a park home?
- Yes, park homes are usually designed to be your permanent place of residence. Residential park home sites normally have special licences granted by the relevant local authorities that allow you to live there full-time.
  
  Residential rules may vary between sites, so always double-check and get confirmation before purchasing a park home or park home insurance.
Is a park home the same as a mobile home?
- A park home is a type of mobile home, so you may sometimes hear them referred to as such. Park homes are often manufactured off-site before being transported to your chosen location, and they can also be moved to different residential sites. This means that they are sometimes considered mobile homes.
  
  Other types of mobile homes can include touring caravans, trailers, and motorhomes.
What types of park homes can I cover?
- Most park homes fall into one of two main categories: residential and holiday.
  
  Residential
  Residential park homes are designed to be your permanent place of residence. To get park home insurance through Ripe, your park home must be your permanent residence and must not be left unoccupied for more than 30 consecutive days unless agreed in writing in advance.
  
  Holiday
  Some park homes, such as holiday lodges and cabins, are used only for holiday and leisure purposes rather than full-time living.
  
  Unless it is your permanent residence, you would not be able to cover a property such as this on a park home policy through Ripe. However, read more about our separate holiday lodge insurance here.
What is the lifespan of a residential park home?
- Park homes tend to have a lifespan of between 40 to 70 years on average, but they can last longer than this if properly maintained. Newly built park homes can even last for up to 80 years.

Help and advice

A complete guide to park home security

Here you’ll find everything you need to keep your park home secure, from choosing the right site to keeping your valuables safe.

Read our guide

Park Homes: the ultimate guide

Whether you’re actively weighing up the pros and cons of living in a park home now or perhaps some time in the future, we’ve got all the essential information you need to know.