Park Home Insurance

Feature-packed cover for your park home and contents.

Call 01480 402 460 Call 01480 402 460

Protect your home from unexpected costs in the event of damage, theft, natural disasters and more with Lifesure’s dedicated park home insurance policies. With more than 30 years of experience, our policies have been designed and shaped to offer cover for the unique needs of park homeowners, from feedback provided from customers just like you.

Protect your property with dedicated park home insurance

Park homes offer excellent alternative residences to standard brick-and-mortar properties. Often easier to maintain and with a community of like-minded neighbours around you, there is no wonder that park home ownership is a popular choice!

Due to their unique build, park homes differ in many ways from a standard property, so it’s only right that you consider having dedicated insurance to protect it. Park home insurance considers the specific risks you face with owning a park home such as the park environment, land leasing and their unique design, all of which would not be suitably covered by brick-and-mortar home insurance. That’s why tailored cover is important.

For over 30 years, Lifesure has provided specialist UK park home insurance for park homeowners across the country. Our policies are created in partnership with some of the top insurers and based on customer feedback, to help cover what matters most to you.

Our specialist policy includes valuable features such as legal expenses and 24-hour home emergency as standard, at no additional cost, so you can be protected against common issues. You can also enhance your policy with options like key cover and home excess protection for extra reassurance, but note that these additions will require further costs.

Our experienced and friendly agents are here to help you find the policy that fits your needs, providing guidance every step of the way. Call us on 01480 402 460 to see how we can help protect your home with a personalised park home insurance quote.

Key features of Lifesure’s park home insurance policy

Lifesure’s park home insurance offers essential cover to protect your park home from everyday risks as well as unexpected events. With damage cover, legal support, and emergency assistance, our policy can provide you with added security and offer you peace of mind.

Home emergency cover

Legal expenses, including site disputes

Covers accidental and malicious damage

Up to £500,000 cover for your park home (1)

Fire, lightning, escape of water and storm damage covered as standard

No standard excess for NAPHR or IPHAS members on certain claims

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Why choose Lifesure for park home insurance?

As a park home insurance specialist, we’ve been arranging park home cover for more than three decades, so we know a thing or two about what should be in your policy.

Our customers consistently tell us that our park home insurance provides the comprehensive cover they need at a price that fits their budget, with exceptional customer service to match. That's why we've been awarded the Feefo Platinum Trusted Service Award* for four years running.

*Correct as at December 2024

Our award-winning team is here to help, whether you need a new park home insurance quote or assistance with an existing policy. You can reach our friendly agents at 01480 402 460 or use MyLifesure, our online customer portal, to access your policy details, send secure messages, and update your information conveniently.

Support with claims
Need to make a claim on your park home insurance? Our insurer partners have dedicated Claims Teams to guide you through the process. We know making a claim can be stressful, so our Customer Care Champion is available to provide additional support whenever needed.

Plus, if you’re a NAPHR or IPHAS member, you’ll benefit from no standard excess on certain claims (exclusions apply for escape of water or oil, subsidence, heave, landslip, and accidental damage).

Extra benefits
As a Lifesure customer, you’ll also enjoy exclusive perks like our ‘Refer a Friend’ scheme. Recommend us to your friends, neighbours, or family members, and you could earn a £40 reward for each referral. Find out more here.

What's covered

Up to £500,000 cover for your park home¹
Up to £15,000 cover for unspecified valuables in your home
Contents cover up to £75,000
24-hour home emergency cover providing qualified contractors for emergency repairs (up to £500 per claim)²
Legal expenses, including park owner disputes, covered as standard³
Accidental and malicious damage cover
Fire, lightning, explosion, escape of water and storm damage all covered as standard

What's not covered

Deterioration or wear or tear
Loss or damage to gates and fences caused by a storm
Accidental damage to buildings and contents by pets
Loss or damage caused by electrical or mechanical breakdown
Faulty workmanship
Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

Key cover Provides cover for the costs to repair or replace keys in the event of damage, theft or loss
Home excess protection⁴ We will reimburse you for the excess on your park home insurance policy following a claim on your park home insurance
NAPHR/IPHAS member?⁵ Don’t forget to tell us if you’re a member when you call for your quote, and we’ll ensure you won’t pay standard excess should you need to make a claim. Exclusions apply.

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

1 Building, contents, personal possessions worldwide, accidental and malicious damage underwritten by HCC International Insurance Company plc & HDI Global Specialty

2 Home emergency cover is underwritten by Astrenska Insurance Limited, a trading style of Collinson Insurance Services Limited

3 Family legal expenses and key cover underwritten by ARAG plc, a cover holder of the insurer, ARAG Allgemeine Versicherungs-AG Branch UK

4 Home excess protection is underwritten by Astrenska Insurance Limited

5 For NAPHR and IPHAS members, no excess applies to claims other than escape of water or oil (For park homes built between 2000-2024 escape of water excess of £500. For park homes built between 1990-1999 escape of water excess of £750. For park homes built between 1980-1989 escape of water excess of £1,000. For park homes built before 1980 escape of water excess £500). and claims for subsidence, heave or landslip (£1,000 excess applies) and accidental damage (£125 excess applies). The no excess benefit applies to any policyholder (subject to postcode eligibility criteria) with a valid membership to the National Association of Park Home Residents (NAPHR) or the Independent Park Home Advisory Service (IPHAS), which needs to be provided at the time of the claim

Park home insurance policy wording (renewal on/after 04.07.24)

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PDF 436.89 KB

Home emergency insurance (renewal on/after 01.01.24)

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PDF 450.15 KB

Key cover insurance (renewal on/after 01.01.24)

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PDF 263.31 KB

Home excess reimbursement insurance (renewal on/after 01.01.24)

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PDF 376.8 KB

We offer a range of insurance options to meet various lifestyle needs. We partner with insurance companies such as AXA, Ageas, Allianz, Aviva, and LV, to help find a policy that suits your needs.

Explore our other specialised insurance products to find a suitable cover for you:

Motorhome insurance
Touring caravan insurance
Car insurance
Static caravan insurance
Travel insurance
Van insurance
Home insurance
Imported car insurance
Leisure home insurance

Find your insurance

Park home insurance should be simple. That’s why we make payments easy with multiple payment options, such as financed instalments by direct debit, debit card, credit card, BACS, or bank transfer. You can also spread the cost to make payment more manageable—we work with Close Brothers Premium Finance to enable you to pay in regular instalments*.

Flexible payment dates, online account management, and credit agreement renewal can make it easier to purchase appropriate protection. *

For more information on a suitable payment option for you, get in touch with a Lifesure specialist today. Call us on 01480 402 460 and we’ll be happy to help.

*We work with a third-party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker, and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment.

Ways to pay

Park Home and Holiday Living Residential Park of the Year 2024 awards

The winner of the Park Home and Holiday Living Residential Park of the Year 2024, sponsored by Lifesure, has been revealed! Discover the winning park in our article.

Autumn Park Home Maintenance Tips

Autumn Park home maintenance tips to keep your park home safe and warm. Learn how maintenance affects comfort, safety, and insurance premiums.

Downsizing to a Park Home

Downsizing to a park home can offer financial savings, a simpler lifestyle, and new friendships. Discover its benefits and tips for a smooth transition into park home living

Spring Into Action - Tips for Park Home Spring Maintenance

Explore essential spring maintenance tips for park homeowners including exterior maintenance, garden care, and interior refreshes to give your park home a spring uplift.

Fire Risks - How Safe Are Park Homes?

Learn about fire risks and why park homes are a safe choice for those seeking comfort and security.

Celebrating 10 Years of Trusted Service

We’re proud recipients of the Feefo Platinum Trusted Service Award for a fourth consecutive year! Read more about it here.

The ECO4 Scheme for Park Homeowners: Unlocking Energy Efficiency

Discover how the ECO4 Scheme offers free eco grants to park homeowners, enabling energy-efficient upgrades and reducing bills. Check your eligibility and seize the opportunity for a greener, cost-effective home!

NAPHR Park Homeowners Handy Guide

NAPHR park homeowners handy guide; cutting through the jargon within the ‘Blue Book’. Find out how you can get a copy, today!

Preparing Your Park Home for Winter

If you haven’t yet set about winterproofing your home for the colder months ahead, there’s still time to do so. Discover the things you can do to make park home living during the winter months a much safer and more comfortable experience.

Securing Your Park Home

Living in a park home can feel much safer than living in a house or bungalow, but we’ve put together a list of things you can do to further secure your home.

Preparing your Park Home Garden for Winter

As summer wanes and seasonal blooms begin to wither, it’s time to prepare your garden for the winter ahead, and the spring that will follow. Read our article for your autumn gardening schedule

Ways to Reduce Your Park Home Energy Costs

With energy costs set to rise in October 2022, here we share with you some ways in which you can save on your energy bills.

10 Great Places to Retire in the UK

Are you planning your retirement? We share with you 10 great places to retire, in the UK.

Is Park Home Living Right for Me?

Are you considering about the prospect of a park home lifestyle? We’re sharing with you some key points for consideration, before buying a park home.

Our Park Home Customers Share Their Story

To celebrate our 50th anniversary, two of our longstanding Park home customers share their experience of park home living.

We are celebrating 50 years of trading in 2022!

We are delighted to announce that this year marks an important milestone in our company's history, as we enter our 51st year of business. Lifesure was established by Colin Barnes in 1972 and remains a family-owned business based in St Neots, to this day!

Protecting your park home from water damage

Water damage is the second largest cause of park home claims and in some situations, this can cause considerable problems. Learn some of the common issues you can look out for and how you can minimise the risk to your park home.

New FCA rules to protect car and homeowners

The Financial Conduct Authority have set out new rules for insurance companies to protect car and homeowners. Nick Long, Head of Insurance at Lifesure explains what the new FCA rules mean and what to look out for.

Customer Care Champion

Providing exceptional service is our priority at Lifesure, which is why we offer additional support to our customers through our Customer Care Champion!

Rewarding our park home customers through 'Refer a Friend'

Introducing our park home 'Refer a Friend' reward scheme. A great way to share great information with your friends, old and new, and benefit at the same time!

Coronavirus (Covid-19), Our Customers Frequently Asked Questions.

We’ve put together some FAQ’s as to why it’s still important to protect your pride and joy with essential insurance in place.

Does your park home site have a residents’ association?

Being part of a residents’ association on a park home site can have many advantages. But what is it? This article answers some frequently asked questions about residents’ associations.

Is buying a park home right for me?

The affordability of park homes makes them an appealing option for people wanting to downsize or access money tied up in their property. If it’s an option you’re considering, this article might help.

Setting Up A Park Home Residents’ Association

Residents of any mobile home or static caravan park are entitled to set up a residents' association to represent themselves as home owners. We show you how.

Is park home ownership a good investment?

If you are considering moving into a residential park home, you may be wondering if it will be a worthwhile investment. Our guide tells you what to consider.

Frequently Asked Questions:

Explore our list of frequently asked questions below to find answers on cover, costs, and what to expect from your policy. Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

What is classed as a park home?

A park home (often known as a mobile home) is a prefabricated home located on a residential park site. Park homes are designed for permanent living and offer all the comforts of a traditional home and due to their design, they are sometimes considered easier to manage than brick-and-mortar houses.

Is park home insurance compulsory?

Park home insurance isn’t legally required but it provides valuable protection. Insurance helps cover costs if your home is damaged by fire, storms, theft, or accidents, which could be expensive without cover. Many park homeowners choose insurance for added peace of mind, to help protect their home from unexpected events, just as many choose to take out home insurance for standard houses.

How much should I insure my park home for?

When insuring a park home, consider factors like the home’s age, location and existing condition. Your insurance should cover the cost to replace your home to the same standard in the event of total loss or irreparable damage. Check with your provider to determine the most appropriate level of cover.

Is a park home the same as a mobile home?

Yes, a park home is often called a mobile home. Both terms refer to prefabricated homes for long-term living on park sites. Park homes are stationary properties suitable for year-round permanent living, while mobile homes can also encompass transportable homes.

Is a park home classed as a property?

Yes, a park home is classed as property, but it has some key differences compared to traditional homeownership. Although you own the park home building itself, the land it sits on is usually leased from the park site owner. With brick-and-mortar properties, you usually own both the home and the land.

Motorhome insurance

Caravan insurance