The park home lifestyle

Paul Baker Insurance Services, UK Park Specialist Insurance, PB insurance, Paul Baker UK, Park Insurance Agency, paul baker estate agents, park home insurers, park house insurance services

Park Homes are a unique lifestyle choice and provide an idyllic residential option for nearly 200,000 people in England, Scotland and Wales. The vast majority of park home residents are retired, or semi retired, and are over 55 years of age.

Park homes are regarded by insurers as ‘non standard’ construction properties simply because they are not constructed in the traditional way - out of bricks and mortar. They are built in a factory and based on a steel chassis which has wheels and a tow bar - which is why they used to be called ‘Mobile Homes’, the remainder of the construction is essentially timber and plasterboard with a tile or tile effect metal roof. They are manufactured to BS3632 for residential occupation and are built to a very high standard in terms of design, materials, décor and insulation.

The homes are delivered to their final destination on a residential park where they are sited, the tow bar removed, utilities connected and usually a brick or timber skirting is applied - job done - they are unlikely to be moved again.

Your home is your most valuable and important asset so it makes sense to keep it in tip top condition, not only will this help protect the value of your property it will extend its life expectancy too.

It should also be remembered that your agreement with the park owner will include a requirement to keep your home, and plot, in good condition. One of the few grounds upon which a site owner can remove your home from the park is if it becomes dilapidated, and even then he will need a Court Order.

And it will also be a condition of your park home insurance, whoever the insurer, that you maintain your home in good condition at all times. In any event claims for loss or damage caused by a lack of maintenance, weathering wear and tear are generally excluded.