In Informative post|Learn here , touring caravans and motorhomes and even residential park homes can all be referred to as mobile homes. However, each one of the aforementioned 'mobile homes' have completely different characteristics and present different types of insurance risk. It is important therefore to know what things to look and search for when insuring your touring caravan, static caravan, motorhome or park home. Hopefully this guide will decipher the jargon and leave you somewhat wiser as to what type of insurance cover you need.
The legal definition of a mobile home is equivalent to that for a caravan. Generally speaking, it covers "any structure designed or adapted for people to live in which is capable of being moved in one place to another (whether by being towed or by being transported on an automobile or trailer) and any automobile so designed or adapted.....It does include twin units separately constructed and created for assembly on site, provided that the twin unit is physically with the capacity of being moved when assembled (whether when you are towed or by being transported on an automobile or trailer). The twin unit should be no more than 60ft long, 20ft wide and the living accommodation no more than 10ft (3.048 metres) high."(Source: Communities.gov.uk)
Some mobile homes such as static caravans and park homes are obviously not very mobile but could be transported on an extremely large low loader unlike a bricks and mortar house! Of course you could have seen this happening when you have driven on the motorway. Despite often having small wheels for slight movement into position during siting, park homes and static caravans spend all or the majority of their useful lives in a single place. Occasionally, an owner may want to move site.
When searching for insurance it is only the terms "park" and "mobile" home which are sometimes used interchangeably, basically a park home insurance policy may sometimes be labelled a mobile home insurance coverage.
The others are pretty straightforward. Ultimately it's advisable to look for a specialist insurance coverage specific to your kind of mobile home. When insuring a static caravan, search for 'static caravan insurance' and so forth.
There a big differences between covers for the several types of mobile homes.
For instance park home insurance is a residential policy which reflects you surviving in your park home regular and having all of your worldly possessions kept within. Whereas touring caravan and motorhome policies frequently curb your usage to holidays for up to six months or 8 months in a year. A motorhome policy covers you for road risks including third party liabilities. A static caravan policy covers you for famous brands debris removal, resiting and reconnection - obviously if your static caravan is destroyed by for instance storm, flood or fire it's quite costly to remove the damaged unit, and resite a new one (often by crane) and reconnect all the utilities.
When searching for insurance coverage probably the most recognised terms are caravan insurance (aka 'touring caravan insurance'), motorhome insurance, static caravan insurance and park home insurance.
Caravan Guard Limited specialises in touring caravan insurance and motorhome insurance. Sister brand Leisuredays specialise in static caravan and park home insurance.