Residential Park Home Insurance

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Specialist Residential Park Home Insurance for permanent park home sites across the UK – protect your homes, infrastructure, residents and liabilities with tailored cover from Insure24.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

RESIDENTIAL PARK HOME INSURANCE THAT LETS YOU RELAX

Specialist cover for residential park home sites

Residential park home operators have long-term responsibilities to residents and regulators. We arrange Residential Park Home Insurance that reflects the permanent nature of your community and the value of your infrastructure.

What Our Residential Park Home Insurance Can Cover

Residential park sites often include a mix of park homes, communal areas and essential infrastructure. We’ll help you build a policy around your park’s layout, occupancy and obligations.

  • Site-owned residential park homes and associated structures.
  • Park buildings – offices, reception, communal halls and storage.
  • Infrastructure – internal roads, footpaths, lighting and boundaries.
  • Underground services – water, drainage, gas and electricity (where insurable).
  • Contents in communal buildings and site-owned facilities.
  • Money on site and in transit (subject to policy limits).
  • Public liability – cover for injury or property damage involving residents or visitors.
  • Employers’ liability – protection for staff and maintenance teams.
  • Property owners’ liability for communal areas and infrastructure.
  • Business interruption – loss of income from pitch fees or other revenue.
  • Legal expenses – support for certain disputes and regulatory matters.
  • Optional management liability for directors and officers.
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Common Risks for Residential Park Home Sites

  • Fire in or between park homes and communal buildings.
  • Storm or flood damage to homes, roads and services.
  • Escape of water from plumbing and heating systems.
  • Damage to underground services and utilities.
  • Theft or vandalism affecting communal areas or facilities.
  • Slips, trips and falls on paths, steps and uneven surfaces.
  • Injuries in communal halls, car parks or shared spaces.
  • Liability issues arising from tree management and boundaries.
  • Disruption to essential services affecting residents’ homes.
  • Loss of income if pitch fees or other payments are interrupted.
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Why Residential Park Owners Choose Insure24

  • Understanding of residential park home regulations and obligations.
  • Access to insurers experienced in permanent park home risks.
  • Tailored Residential Park Home Insurance for your specific site.
  • Help setting appropriate sums insured for property and infrastructure.
  • Clear, jargon-free explanations of cover and exclusions.
  • Competitive premiums via a panel of specialist insurers.
  • Support with risk management and best practice.
  • Dedicated claims support when incidents occur.
  • Flexible cover that can evolve as your park develops.
  • UK-based advisers focused on commercial park risks.
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How to Arrange Residential Park Home Insurance

  • 1. Contact our team – by phone or online enquiry.
  • 2. Provide details of your park – number of homes, layout and facilities.
  • 3. Share your current insurance arrangements and claims history.
  • 4. We approach suitable insurers on your behalf.
  • 5. We present clear comparisons of cover and premiums.
  • 6. You choose the Residential Park Home Insurance solution that fits best.
  • 7. We arrange cover and issue documentation.
  • 8. We provide ongoing support with changes, renewals and claims.
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Residential Park Home Insurance for Different Park Types

We arrange cover for a variety of UK residential park home sites and communities.

Fully Residential Park Home Sites

  • Parks where residents live on site all year round.
  • Primarily residential use with permanent occupancy.
  • Cover for communal facilities used daily by residents.
  • Liability cover aligned to long-term resident expectations.
  • Policies reflecting your duties under park home legislation.

Mixed Residential & Holiday Parks

  • Parks combining residential park homes with holiday units.
  • Shared infrastructure serving residents and holiday guests.
  • Policies tailored for mixed-use risk profiles.
  • Cover for both long-term residents and short-term visitors.
  • Support with managing different occupancy types.

Small, Family-Run Residential Parks

  • Smaller sites with a close-knit resident community.
  • Straightforward Residential Park Home Insurance for simpler layouts.
  • Clear documentation and ongoing guidance.
  • Policies that can scale as you grow.
  • Competitive pricing with relevant cover.

Groups & Multi-Site Operators

  • Multi-park operators managing several residential sites.
  • Combined programmes across multiple locations.
  • Centralised administration and renewal dates.
  • Flexible sums insured across your portfolio.
  • Scope for group-rated and bespoke terms.
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The Real Cost of Incidents to Residential Park Home Sites

Incidents on a residential park can affect not just property, but the lives of long-term residents. Insurance can help you respond quickly and effectively.

Direct Financial Losses

  • Damage to park-owned homes, buildings and infrastructure.
  • Repair or replacement of damaged services and utilities.
  • Compensation and legal fees following liability claims.
  • Immediate costs associated with making areas safe.
  • Costs of alternative arrangements for residents in some cases.

Indirect & Hidden Costs

  • Loss of pitch fee income if homes or areas are uninhabitable.
  • Time spent dealing with contractors, residents and regulators.
  • Potential reputational damage with residents and prospects.
  • Increased administrative workload after major incidents.
  • Possible impact on future operating and insurance costs.

Protecting Your Residential Park’s Future

Having the right Residential Park Home Insurance provides financial support to repair damage, maintain essential services and keep your community running after a serious event.

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Assess Your Residential Park Home Risk

Understanding how your residential park operates helps ensure cover is appropriate and robust.

Park Features We Consider

  • Number and type of park homes on site.
  • Site layout, road structure and accessibility.
  • Age and construction standards of homes and buildings.
  • Condition and extent of infrastructure and services.
  • Location and exposure to weather or flood risks.

Operational Risk Factors

  • Maintenance and inspection regimes for roads and services.
  • Tree management and boundary responsibilities.
  • Health and safety practices for residents and visitors.
  • Security arrangements and lighting.
  • Claims history and previous incidents on site.
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How Insurance Has Helped Residential Park Home Sites

Case Study: Storm Damage to Roads & Services

Situation: Severe weather washed away parts of internal roads and damaged drainage.

Impact: Access to some homes was restricted and urgent repairs were required.

Resolution: Residential Park Home Insurance arranged through Insure24 helped fund repairs to roads and services, restoring normal access and reducing disruption to residents.

Case Study: Fire in a Communal Hall

Situation: A fire in the communal hall caused extensive smoke and structural damage.

Impact: The hall had to close, affecting resident activities and meetings.

Resolution: Property and business interruption cover supported the cost of rebuilding and contributed towards lost income from hall hire, helping the community return to normal more quickly.

Case Study: Resident Injury on Uneven Path

Situation: A resident tripped on an uneven path and suffered an injury.

Impact: A liability claim was brought against the park owner.

Resolution: Public liability cover responded to legal and compensation costs. The park also implemented an enhanced inspection and repair regime with guidance from Insure24.

Case Study: Burst Pipe in Underground Services

Situation: A burst water pipe damaged underground infrastructure and nearby surfaces.

Impact: Water supply was disrupted and parts of the park required excavation.

Resolution: Residential Park Home Insurance supported the cost of repairs and reinstatement, limiting the financial impact on the site owner.

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Risk Management Best Practices for Residential Park Home Sites

Good risk management helps keep residents safe and supports more favourable insurance terms.

Site & Infrastructure Controls

  • Maintain paths, steps and road surfaces to minimise trip hazards.
  • Ensure good lighting across key access routes and communal areas.
  • Regularly inspect trees, boundaries and retaining structures.
  • Monitor drainage, ditches and culverts to help manage flood risk.
  • Keep communal areas tidy and free from obstructions.

Operational & Safety Procedures

  • Have clear processes for residents to report defects or issues.
  • Document inspection, maintenance and repair activity.
  • Review fire safety and emergency access arrangements.
  • Ensure contractors working on site are appropriately insured.
  • Review your Residential Park Home Insurance regularly as the park changes.
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Residential Park Home Insurance Coverage Options

Flexible cover for different types and sizes of residential park home sites.

Core Residential Park Package

Ideal for: Smaller or simpler residential parks.

  • Buildings and infrastructure cover.
  • Public and employers’ liability.
  • Basic business interruption and loss of income protection.
  • Cover for communal facilities and contents.

Enhanced Residential Park Programme

Ideal for: Larger, more complex residential parks.

  • Higher limits for property and infrastructure.
  • Extended business interruption and increased indemnity periods.
  • Options for management liability and extended legal cover.
  • Additional protection tailored to your site’s features.

Multi-Site & Group Solutions

Ideal for: Operators managing multiple residential parks.

  • Combined cover across several residential sites.
  • Aligned renewal dates and shared documentation.
  • Flexible sums insured across your portfolio.
  • Potential for group-rated and bespoke programme terms.

Optional Add-Ons

  • Engineering inspection and breakdown cover for plant and equipment.
  • Cyber cover for park management and resident systems.
  • Directors’ and officers’ liability.
  • Goods in transit for materials and supplies.
  • Additional bespoke cover extensions where required.
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Insure24 took the time to understand our residential park and the needs of our residents. They helped us put the right insurance in place and were excellent when we had to deal with storm damage.

Martin P., Residential Park Owner

UNIQUE INSURANCE
TAILORED FOR YOUR RESIDENTIAL PARK 

PROTECT YOUR RESIDENT COMMUNITY

  • The cost of repairing or replacing damaged property and infrastructure.
  • The financial impact of interruptions to pitch fee or rental income.
  • Compensation and legal costs if residents or visitors suffer injury or damage.
  • Cover for staff and contractors working on site.
  • Support for your long-term role as a residential park operator.
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Compliance & Regulations for Residential Park Home Sites

We help ensure your Residential Park Home Insurance supports your responsibilities as a park operator.

  • Local authority site licences and planning conditions.
  • Relevant park home and mobile home legislation.
  • Health and safety requirements for communal areas and services.
  • Fire safety and emergency access obligations.
  • Occupiers’ liability duties towards residents and visitors.
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FREQUENTLY ASKED QUESTIONS

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What is Residential Park Home Insurance?

Residential Park Home Insurance is a specialist policy designed for operators of permanent residential park home sites. It can cover park-owned homes, communal property, infrastructure, liability to residents and visitors, and loss of income following insured incidents.

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Who needs Residential Park Home Insurance?

Any business operating a residential park home site or mixed residential / holiday park should consider specialist cover, particularly where there are permanent residents and shared infrastructure to protect.

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What does Residential Park Home Insurance typically cover?

Cover usually includes park-owned buildings and infrastructure, public and employers’ liability, property owners’ liability, business interruption, contents in communal buildings and optional legal or management liability, depending on the policy selected.

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Are residents’ own park homes covered under the park policy?

Residents typically arrange their own park home insurance. However, some park policies can extend to cover units the park owns or has a financial interest in. We will review your structure and explain the best way to arrange cover for residents and the park owner.

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Does Residential Park Home Insurance cover loss of income?

Policies can include business interruption cover, which may protect your income from pitch fees and other sources if your park is affected by insured damage. We’ll help you choose suitable limits and indemnity periods.

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Is storm and flood damage included?

Storm is usually a standard insured peril and flood is often included, subject to location and risk. Any restrictions or special terms will be highlighted as part of your quotation so you can make an informed decision.

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What information do you need to provide a quote?

We’ll typically ask for details such as the number and type of homes, site layout, sums insured, turnover, claims history, infrastructure details and any unusual features or exposures on your residential park.

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How much does Residential Park Home Insurance cost?

Premiums depend on factors such as site size, property values, claims history, location and the cover limits you select. We work with several specialist insurers to obtain competitive terms for your specific risk profile.

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Can you review my existing Residential Park Home Insurance policy?

Yes. We can review your current schedule and wording, highlight potential gaps or overlaps in cover and provide alternative quotations when you are approaching renewal.

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How do I make a claim on my Residential Park Home Insurance?

If you experience an incident, contact Insure24 as soon as possible. We’ll notify your insurer, explain the process, and support you with documentation, site inspections and settlement discussions where required.

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Can you cover multiple residential parks under one programme?

Yes. For operators with more than one site, we can often arrange multi-park programmes, subject to insurer acceptance. This can simplify administration and may help achieve more favourable overall terms.

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