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Mobile Homes2022-05-12T15:55:10+01:00
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Home » Caravan Insurance » Mobile Homes

Mobile homes can be an excellent option for family getaways, as they include all your home comforts. It’s a freedom like no other. But owning a mobile home is also a significant investment that you should think carefully about insuring with sufficient financial protection.

Mobile home protection forms part of our wider caravan insurance offering and if you’re considering buying a property, mobile home insurance can protect your investment.

This policy safeguards your home’s structure and contents in the event of theft or damage occurring. It can also offer a few handy extras for additional reassurance, such as emergency travel following an insured claim—ensuring you and your family get home safely.

If you’re interested in a quote speak to our specialists today, and we’ll arrange cover to suit your needs.

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What is mobile home insurance?

Mobile home insurance is the equivalent of home insurance, explicitly designed for prefabricated static caravans.

It’s a policy that financially safeguards your mobile home from the risks property owners readily face. For example, mobile homes located close to the coast can be vulnerable to winter storms. That’s why storm and flood cover is included in the policy, to protect your property against inclement weather. Our storm and flood cover can safeguard you against loss or damage to your unit, including the re-siting of your unit, if necessary.

Our insurance for mobile homes can offer you the reassurance that your mobile home has cover in place if the worst should happen.

What does mobile home insurance cover?

Intasure can protect your property whether it’s a personal holiday home, holiday let, or a full-time residence.

Some of the key aspects of Intasure’s mobile home insurance include:

  • Loss or damage protection, providing financial reparations resulting from fire, flood, or theft to your mobile home.
  • Year-round cover whether your property is occupied or not.
  • Cover against malicious damage and vandalism.
  • Public Liability cover up to £2.5 million included as standard.
  • Protection for subsidence or landslips.
  • Alternative accommodation and pitch fees if damage to your home makes it uninhabitable.
  • Emergency travel if you need to visit your mobile home to oversee repairs following a claim, or to reach your primary residence if you are stranded.

Optional covers include:

  • Accidental Damage cover extended to include family and tenants, for those who offer holiday letting.
  • New for Old or Market Value cover available for your contents and home.

Read our full mobile home insurance policy wording for further information about how your policy works and whether restrictions apply.

What countries do Intasure policies cover?

Our mobile home insurance policies can cover many popular holiday destinations in Europe, including:

  • UK (England, Scotland, Wales, Northern Ireland and the Channel Islands)
  • France
  • Greece
  • Italy
  • Portugal
  • Spain

How much does mobile home insurance cost?

As with any standard property policy, several factors can influence your mobile home insurance premium, including:

  • Location – For example, if your mobile home is in a popular coastal area, you might receive a higher premium. In contrast, smaller mobile home parks with lower demand often have less expensive policies.
  • Size – Large properties tend to incur higher premiums when compared to properties with small floor plans.
  • Age – You may find that older mobile homes which need regular maintenance are more expensive to insure than new builds.
  • Type – Mobile homes are constructed from different materials. Therefore, older or harder-to-replace materials can influence your quote.
  • Value – How much cover you require will influence what you pay.

Why choose Intasure?

There are many advantages to choosing Intasure as your mobile home insurance provider, including:

  • Policies that are crafted by our dedicated team of caravan and mobile home insurance specialists.
  • Policies that can be customised via optional extras.
  • Cover during unoccupied periods.
  • Cover for malicious damage or vandalism.
  • Public liability cover up to £2.5 million included as standard.
  • Optional Accidental Damage cover for family and tenants.
  • English-speaking support in all markets.

What sets us apart as a mobile home insurance provider? For one, unlike other companies, we’re specialists in our field.

Moreover, our service is fast, simple, and friendly. No matter where your mobile holiday home takes you, our English-speaking UK-based representatives are on-hand to discuss your policy. They’ll help you get set up, make any modifications to your policy, and handle renewals.

Get a quote online or contact our UK team on 0345 111 0680 for more information.

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Mobile home insurance FAQs

Does mobile home insurance cover my mobile home contents?2022-03-07T11:21:31+00:00

Our residential mobile home insurance policies typically cover both your mobile home and its contents, depending on your requirements. Contents covered include sports equipment, furnishing and fittings for example. For the full details of what’s included see our policy wording.

What does your mobile home insurance not cover?2022-02-11T17:56:24+00:00

While our mobile home insurance policies offer broad coverage, there are some exemptions. Damage to your property is covered, however, depreciation, deterioration, manufacturing defects and general wear and tear are not. Additionally, damage by pets, moths, or vermin isn’t covered.
While theft is covered, theft by deception, such as fraud, is not. Please read the policy wording to find our complete list of exclusions.

How much cover do I need for my mobile home?2022-02-11T17:55:39+00:00

Typically, mobile homeowners have enough protection to cover the cost of rebuilding their property in the event of damage. However, be mindful that if you miscalculate this figure, you could be under-insured and less likely to receive the right level of compensation should the worst happen.

Is mobile home insurance a legal requirement?2022-02-11T17:54:44+00:00

No, but most people take this practical step to protect their homes and contents from losses. These include fire, theft, water damage, and accidental damage.

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Find out more with Intasure

We’re here to help with your mobile home insurance, whether you use it for family holidays, weekend breaks, residential use, or holiday rentals. Call us on 0345 111 0680 for more details today.

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*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

Product information
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Policy Wording
Mobile home insurance, View and download policy wording:
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