Specialist Park Home Insurance
Living in a park home can be very different to living in a traditional bricks-and-mortar home. It also carries different risks.
As a park home owner, you’ll know better than anyone that repairs can be expensive should anything go wrong both inside or outside your home. While there's no legal requirement for you to have park home insurance, without considering it you could suffer serious financial loss.
What does park home insurance through Ripe cover?
What's covered
- Buildings cover including fixtures and fittings up to £500k
- Theft, Fire and Flood Damage up to £500k
- £5m Public Liability
- Frozen food
- Theft of money from inside your home - Provides cover of up to £250 for theft of money from inside your home
- Theft and loss of keys and the cost of replacement locks
- Vermin cover – damage caused by common pests
What's optional
- Contents cover up to £75k
- Accidental damage - e.g. windows, walls, etc and its contents e.g. carpets, electrical items and upholstery
- Valuable items such as jewellery, antiques and art worth over £1.5k
- Personal Possessions including cycles and sports equipment
- Specified items away from home
- Protected no claims bonus
- Home emergency cover where your park home becomes unsafe or insecure
- Mobility scooter cover – 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 – including damage, theft, or loss (inflatable or wood fired hot tubs not covered)
- Increase excess up to £500k to reduce the cost of your policy
What's not covered
- Wear and tear that causes loss, damage or decay (natural and predictable damage which happens over time or due to normal use)
- Frozen food from a freezer over 10 years old
- Unattended personal possessions
- Mobility scooter theft while away from the home unless fully secured
- Mobility scooter liability
For more information about what isn’t covered under the terms of our park home insurance, please read our insurance booklet.
Why choose park home insurance through Ripe?
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.
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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.
Different types of park homes
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 on a park home policy through Ripe. However, read more about our separate holiday lodge insurance here.
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.
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.
Park homes are often also built with different materials to regular homes therefore require specialist cover to reflect that, as they can be subject to extreme weather damage.
Another key difference between the two is ownership. Park homeowners will normally own the home itself but rent the land it sits on—as opposed to a regular freehold homeowner, who will also own the land. Park Home Insurance recognises the different risks associated with this.
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Find out moreHow 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.
Insurance Booklet (PDF 368 KB)- Insurance Product Information Document (PDF 372 KB)
- Legal Protection Insurance Booklet (PDF 313 KB)
- Legal Protection Insurance Product Information Document (PDF 362 KB)
- Home Emergency Insurance Booklet (PDF 348 KB)
- Home Emergency Insurance Product Information Document (PDF 362 KB)
Terms of Business
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Is park home insurance a legal requirement?
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.
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 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 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 guidePark 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.
Read our guide