Mobile Home Insurance
Holiday static or your main home? Compare cover
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- Holiday statics, lodges and park homes
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Cover for a mobile home protects a static caravan, lodge or park home against damage, theft and claims from other people. The right policy depends mainly on one question: is it a holiday home, or where you live?
Holiday static or residential home: which mobile home cover fits?
Insurers price a mobile home on how it is used and where it sits. Use the table to find the type of policy to look for.
| Your situation | Type of policy to look for | Read more |
|---|---|---|
| A holiday static on a park with a closed season | Static caravan cover | Static caravans |
| A holiday lodge you visit and sometimes let | Holiday cover that allows letting | Holiday homes |
| A park home that is your only or main home | Residential park home cover | Park homes |
| A mobile home on private land you own | Specialist mobile home cover, with the use explained | Checklist below |
| A touring caravan you live in | Specialist cover; many touring policies assume leisure use | Touring caravans |
Tiger.co.uk’s caravan form covers statics, park homes and touring caravans, and sends your details to 8 or more providers in one go. That lets you see which insurers accept your home and how you use it. For every other type of caravan, start at our main caravan insurance page.
Living in your mobile home full time
In England and Wales, the Mobile Homes Act 1983 (Scotland has its own version of the rule) covers agreements to station a mobile home on a protected site. It applies where you live there as your only or main residence. Holiday-only agreements fall outside that protection.
The GOV.UK buying a park home factsheet (England) explains that you buy the home but not the pitch. You pay a pitch fee to the site owner and council tax to the local authority.
The factsheet also suggests checking that the site has planning permission for residential use. Ask the same question before you insure, because a policy for a main home assumes you can live there legally.
Full-time living means more belongings and more time at home, so a residential policy is set up differently from holiday cover. Always tell the insurer the home is your main residence.
Holiday mobile homes and lodges
A holiday mobile home stands empty for weeks at a time, which is why insurers ask about occupancy. If your park has a closed season, check the conditions for that period, such as draining the water system.
Letting changes the cover you need. If paying guests stay, look for letting cover, liability to guests and loss of rent. Our static caravan page goes into more detail on holiday statics.
Why a standard house policy may not fit
Under the Caravan Sites and Control of Development Act 1960, a caravan is a structure designed or adapted for human habitation that can be moved from place to place. Many statics, lodges and park homes meet that description.
Because they are built and sited differently from a brick house, a standard home insurance policy may not accept them. Specialist mobile home cover is written for that construction and for life on a park.
What mobile home insurance may and may not cover
| Often included or available | Often excluded |
|---|---|
| Fire, storm and flood damage | Wear and tear, rot and damp |
| Theft, attempted theft and vandalism | Theft with no forced entry, on some policies |
| Escape of water from pipes and tanks | Frost damage where winter conditions were not followed |
| Contents and personal belongings | Single items over the policy’s item limit, unless declared |
| Decking, steps, verandas and sheds, if declared | Undeclared letting or full-time living |
| Liability to visitors and neighbours | Long empty periods beyond the policy’s limit |
| Removal of debris and re-siting after a loss | Damage from poor maintenance |
Every insurer sets its own terms, so treat this as a guide and read the policy wording before you buy.
Your checklist before you get a mobile home quote
- Whether the home is for holidays or is your main residence
- Site name, address and pitch number, or the land address if it is private
- Make, model, year and size, including whether it is a twin unit
- What you paid and what it would cost to replace and site a similar home
- Values for decking, verandas, steps and sheds
- The total value of your contents and any high value items
- How many weeks a year it is empty, and whether you let it
- Security fitted, such as door and window locks and an alarm
- Any recent claims on home, caravan or mobile home cover
Pros and cons of a specialist mobile home policy
| Pros | Cons |
|---|---|
| Written for park homes, statics and lodges rather than brick houses | Fewer insurers than for standard home cover |
| Can include re-siting, decking and outbuildings | Occupancy and winter conditions to follow |
| Can be set up for full-time living or for letting | Use must be described accurately or a claim could fail |
Is a mobile home the same as a static caravan?
In everyday use the terms overlap. A static caravan is usually a holiday home on a park, while a mobile home or park home is often lived in all year. Insurers care most about how you use it, so describe that clearly.
Do I need insurance for a mobile home?
There is no general legal duty to insure a mobile home, but a site owner may ask for cover as part of your agreement. Without it, you would meet the cost of storm damage, fire or theft yourself.
Can I get mobile home insurance if I live in it all year?
Yes, but you need a policy written for a main residence. Tell the insurer it is your home, because a holiday policy may not cover full-time living.
What is the difference between park home and mobile home insurance?
Park home insurance is a type of mobile home cover for homes lived in on a residential park. Mobile home insurance is the wider term and can also mean holiday statics and lodges.
Does mobile home insurance cover flooding?
Flood can be included, but terms depend on the site’s location. Check the area with the GOV.UK flood risk service and read the flood excess on each quote.
Can I let my holiday mobile home and stay insured?
Yes, if the policy allows letting and you tell the insurer. Look for cover for damage by guests, liability to guests and loss of rental income.
Unsure whether a policy is regulated? The FCA Financial Services Register lists authorised firms. When you are ready, compare mobile home quotes with Tiger.co.uk in one short form. You may also want home insurance for a house you own elsewhere, or travel insurance for trips away from the park.
Fact-checked by Ian Wilson, Managing Director at Tiger.co.uk. 20+ years in price comparison; MEng, Queen’s University Belfast.