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Willerby Park Home Insurance
Whether you’ve got a Willerby static caravan, park home or bespoke holiday lodge, it’s crucial to have insurance you can rely on. To find a policy that gives you peace of mind, here’s what to think about when it comes to protecting your Willerby home.
What is a Willerby park home?
Willerby have been making static caravans and park homes for residential and holiday use for more than 70 years. They also offer a bespoke service which means you can tailor your park home or holiday lodge to suit you.
Does standard home insurance cover my Willerby park home?
Standard home insurance doesn’t usually cover a park home, because insurers consider park homes to be ‘non-standard’ as they’re typically built from wood and metal instead of traditional bricks and mortar. This means the risk of damage is different for park homes compared to other types of housing.
What features should insurance for my Willerby park home include?
Park home insurance covers damage done to the structure of your home and your belongings. Most insurers will offer a combined buildings and contents policy for park homes but separate policies are also available (although your choice may be limited).
Your park home insurance will compensate you for unforeseen circumstances known as ‘insured events’. Different policies cover different events, but you can expect them to include cover for:
- Damage caused by fire, flood, and storm damage.
- Theft and vandalism.
Policies may also include other features, and many features that aren’t included as standard can be added on for a slight increase in your premium.
As insurers are responsible for setting their own terms, what’s offered will vary between policies, although typical extras include:
- Malicious damage.
- Accidental damage.
- Loss of metred water.
- Loss of freezer contents.
- Loss of keys and replacement locks.
- Home emergency cover.
You should also bear in mind that almost all insurance policies come with exclusions. These are events not covered by your policy so you won’t be compensated if they’re the reason for a claim. Again, exclusions will vary depending on the insurer but often include:
- Damage caused by wear and tear.
- Claims made because of negligence – for example if doors were left unlocked and items were stolen.
- Damage caused by animals – this normally includes pets as well as vermin.
How much should I insure my Willerby park home for?
Most park home insurance policies provide something called ‘blanket cover’ or ‘blanket insurance’. This means insurers will automatically set the amount of cover. If you feel the amounts offered are not enough, you can ask for them to be increased but this will also increase your premium.
You can expect blanket insurance to vary from between £300,000 – £600,000 for buildings cover and £40,000 – £75,000 for contents cover.
How much is Willerby park home insurance?
The cost of your Willerby park home insurance will really depend on your circumstances. Insurers consider a whole host of factors to accurately calculate the risk of a claim and the amount of compensation you might need. Considerations usually include:
- The park site you’re on – some insurers offer discounts to residents of certain park sites.
- The number of optional extras you choose – extra features will increase the range of events you’re covered for but will also see your premium rise.
- Your claims history – a recent claim can increase premiums.
- Whether your park home is at risk of flood – if you live in an area with a higher than average risk of flood, you might have to pay slightly more.
When you compare quotes for your Willerby park home, it’s a good idea to familiarise yourself with all the features as well as the level of cover on offer.
Cheaper park home insurance policies might look like a bargain but may not be as comprehensive as you’d like and adding extra features will simply increase the price. In contrast, policies that seem expensive could include a variety of features and work out better value for money overall.
Compare insurance for Willerby park homes
At Quotezone.co.uk, we make it easy to search for Willerby park home insurance. Simply answer a few questions and we’ll put you in touch with providers who can give you the protection you need.