Mobile Home Insurance

Compass has specialised in park home insurance for over 40 years, so we know a thing or two when it comes to protecting them.

We insure thousands of satisfied owners across the UK and as experts in the market, our policy includes important covers that you won’t always find elsewhere.

Our prices are super-competitive too! So, if you’re looking for the best cover at the right price, we’re here to show you the way!

Key Features

Loss or damage to buildings up to £500k

Loss or damage to contents up to £50k

Alternative accommodation if your Park Home becomes uninhabitable

Optional Home Emergency or Legal Expenses cover

24/7/365 claims service

Additional Features

  • Two levels of cover, Essentials and Extra, so you can tailor to your needs

  • Up to £10,000 additional costs towards the removal of a damaged park home and the siting and connection of a replacement included automatically

  • £5m Public Liability

  • Cover for personal possessions away from the park home

  • Damage as a result of storm, flood, frost and escape of water, in addition to the usual insured perils

  • Costs for alternative accommodation if your park home becomes uninhabitable

  • Loss of rent, or pitch fees payable for any period your structure is uninhabitable

  • Accidental damage caused by pets, vermin and insects

  • Optional cover for Legal Expenses and Home Emergency

  • Lowest excess level in the market from £50

  • Dedicated UK based claims teams with 24/7/365 support

  • Option to make your premium more affordable and spread your payments over 10 months via Direct Debit

Why do I need Insurance?

Park Homes are not static caravans, nor are they bricks and mortar houses and so normal household or static / holiday caravan insurance policies won’t give you the cover you need.

Park Homes are built to very specific standards but are more susceptible to damage than traditional houses and as they are normally located on a residential park you need a tailored and specialist policy.

Your policy should cover you for the usual causes of loss or damage including fire, flood, storm, theft and vandalism as well as accidental damage. In addition:

  • Park Homes are increasingly expensive and built to last so make sure you have a policy with high sums insured and that offers unlimited new for old cover.
  • As your Park Home is your permanent residence make sure you have enough cover for your contents as well as cover for personal possessions and valuables, away from your home as well as in it.
  • Make sure the costs of replacing your Park Home are considered if it is written off. It can cost thousands of pounds to remove your old structure and replace with your new one so make sure the amount is high enough and included as standard.
  • Make sure you are covered for things like alternative accommodation should your Park Home become uninhabitable and site fees or rent you would be liable for during that period.
  • If this is your main residence you should have the option to add Legal Expenses and Home Emergency, two covers that are commonplace in household insurance.


The following are links to our current policy wordings and Insurance Product Information Documents (IPID). For versions that pre date June 2021 please contact our team.

Policy Wording Terms of Business IPID

As with all insurance cover, some exclusions and limits may apply, as will some policy excesses. For full details, please view our policy wording (above) or speak to a member of the Compass team.

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