Summer’s here and most people are booking their yearly vacations; abroad if you're lucky and to the coast if your nationally sentimental. If it's been the latter for you and your family over the last few years then maybe it's time to invest in a seasonal park home.
There are plenty of sites around the UK and the quality of park-homes and caravans have steadily increased over the years. For those of you that have already taken advantage of the UK park home market the next step is to ensure your property is adequately insured against some of the negative experiences that befall mobile-home owners. For those of you looking to obtain quality insurance for your static caravan, considering Park Home Insurances Ltd is a must.
12 years of specialising in the field of mobile home insurance should heavily contribute to your faith in them as an organisation. In particular when purchasing insurance for your static mobile home they offer a number of benefits that would satisfy the most particular of customers. The peace of mind that comes with knowing your property and it's belongings are covered if an unfortunate event were to befall them, be it fire, theft or a natural disaster. For static homes, Park Homes will cover your property and its contents in the upsetting event of a fire or flood, the latter being subject to your home’s location and the amount of excess you have chosen to take out.
Similarly if your home was to fall victim to malicious damage; spray painting, graffiti or simply broken windows, these too will be covered under your insurance policy. Another mishap that can befall a mobile home, static or not is that of ‘impact’, this is when another vehicle ‘bumps’ into your mobile home causing damage. Such damage can be anything from a minor scratch to caving in a side of your property which would result in both structural damage as well as damage to whatever contents were located at the site of the accident. Whether you are the cause of this damage or it is at the hands of another knowing you are covered in such an event will contribute heavily to your oeace of mind.
Another aspect of cover offered by Park Homes is that of permanent ‘new for old’, as long as you have stipulated on taking out the cover the adequate sums to cover your home’s permanent features such as a fitted kitchen or storage units and decorative features. If any of the above mentioned were to befall your property you will have the comfort that comes with knowing that you will not have to send your products off to be repaired, rather you simply need to provide the insurance company with a list of the belongings damaged in whatever the accident and you will have new versions of your old products delivered and possibly installed, again depending on the sum of your cover and the terms stipulated.
One of the most valuable aspects of the cover offered by Park Homes is that of their hefty £2 million public liability cover which will cover you in the event that you are the one responsible for damage to another person or their property. If the damage is done to the individual the cover will help towards covering any medical bills they incur as a result of the accident. Similarly if you happen to be the one that causes the ‘impact’ on their mobile home then any repairs or damages that need to be covered will be paid out of this sum allocated for such mishaps. Last but not least is their generous legal expenses cover that will aid you in the event of a dispute between you and any site owners or other residents.
Onome is an author of several articles pertaining to Home Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.