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"Primo, did an excellent job sorting out the insurance for my park home."

At Primo, we like all our clients to feel this way

Park Home Insurance: Specialist Insurance for Park Homes

"Primo did an excellent job sorting out the insurance for my park home." – A satisfied Primo client.

At Primo, we strive to make every client feel this way. We understand that your park home is more than just a place to live; it's a lifestyle investment, a haven filled with treasured possessions. That's why we've created a specialised insurance scheme designed specifically for park home residents – to protect not only your home but the unique lifestyle it represents.

Tailored Coverage for Your Unique Needs

Our park home insurance policy isn't a one-size-fits-all solution. We know that each park home and its contents are different. From rare collectibles to state-of-the-art electronics, we tailor our coverage to safeguard everything that makes your home truly yours.

Comprehensive Protection, Competitive Rates

With premiums starting at just £250*, our policy offers comprehensive coverage without breaking the bank. We believe that protecting your lifestyle and investments should be affordable and accessible.

What sets Primo apart?

  • Specialist Expertise: We focus solely on park home insurance, meaning we have in-depth knowledge of the unique risks and requirements.
  • Bespoke Policies: We customize our coverage to match your individual needs, ensuring you're not paying for anything unnecessary.
  • Competitive Pricing: Our specially negotiated scheme offers excellent value for money.
  • Dedicated Support: Our experienced team is on hand to guide you through the process, answer your questions, and provide ongoing support.
  • Client-Centric Approach: As our testimonial demonstrates, client satisfaction is at the heart of everything we do.

Protect Your Park Home Lifestyle Today

Don't leave your park home and belongings vulnerable to unforeseen events. Call Primo today on 01702 225400 to discuss your needs and discover how easy it is to get the right coverage at the right price. Let us help you enjoy your park home lifestyle with complete peace of mind.

*Terms and conditions apply.

Primo – Protecting Your Park Home, Protecting Your Lifestyle.

Policy benefits automatically included:

  • Buildings and Contents
  • Accidental Damage
  • Fire, Theft, Storm, Flood and Subsidence
  • £2,000,000 Public Liability
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Your Broker
Always speak to a real person. You will have an assigned broker.
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We ensure obtaining your insurance is straightforward.
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Correctly covering your home gives you great peace of mind.

Frequently Asked Questions About Park Home Insurance

Frequently Asked Questions About Park Home Insurance

  1. What does Park Home Insurance cover?

    Park Home Insurance is designed to protect your park home and everything that makes it uniquely yours. Typical coverage includes:

    • Buildings Insurance: Protects the physical structure of your park home, including walls, roof, flooring, fixtures, and fittings, against damage from perils like fire, storms, floods, subsidence, and accidental damage.
    • Contents Insurance: Covers your personal belongings inside the park home, such as furniture, appliances, electronics, clothing, and valuables, in the event of theft, fire, or accidental damage.
    • Public Liability: Provides financial protection if someone is injured or their property is damaged while on your park home premises, and you're held legally responsible.
    • Alternative Accommodation: Covers the cost of temporary accommodation if your park home becomes uninhabitable due to an insured event.
    • Optional Extras: Some policies may offer additional coverage options like accidental damage to fixtures and fittings, legal expenses, or cover for specific items like jewellery or bicycles.
  2. How is the value of my park home calculated for insurance purposes?

    The value of your park home is typically based on its rebuild cost rather than its market value. The rebuild cost considers the expenses involved in reconstructing your home from scratch, including materials, labour, and any additional structures or improvements. Some insurers may also consider the market value of your park home, especially if it's a new or high-value property. It's crucial to get an accurate valuation to ensure you have adequate coverage in the event of a claim.

  3. What perils are typically covered by Park Home Insurance policies?

    Standard Park Home Insurance policies usually cover a range of common perils, including:

    • Fire
    • Theft
    • Storm damage
    • Flood
    • Subsidence
    • Escape of water (e.g., burst pipes)
    • Accidental damage
    • Malicious damage
    • Impact damage (e.g., from falling trees)
    • Falling aerials or satellite dishes

    It's important to review your policy documents to understand the specific perils covered and any exclusions that may apply.

  4. Are my personal belongings covered under Park Home Insurance?

    Yes, Park Home Insurance typically includes coverage for your personal belongings within the park home. This coverage usually extends to items like furniture, appliances, electronics, clothing, jewellery, and other valuables. You can choose the level of contents coverage based on the total value of your possessions. Be sure to declare any high-value items separately to ensure they're adequately protected.

  5. Do I need Park Home Insurance if I rent a pitch in a park home site?

    Even if you rent a pitch in a park home site, Park Home Insurance is crucial. While the site owner's insurance typically covers communal areas and site infrastructure, it doesn't usually cover your personal belongings or the structure of your park home (if you own it). Park Home Insurance protects your assets and provides liability coverage in case of accidents or damage.

  6. Can I get Park Home Insurance if my home is older or has pre-existing conditions?

    Yes, you can still get Park Home Insurance even if your home is older or has pre-existing conditions. However, certain restrictions or higher premiums may apply depending on the age and condition of your home. It's essential to disclose any pre-existing conditions to your insurer when obtaining a quote to ensure you have appropriate coverage.

  7. What is the difference between 'new for old' and 'market value' cover?

    • New for old: This type of cover means that if your insured belongings are damaged or stolen, the insurer will replace them with brand new items of similar quality, regardless of their age or wear and tear.
    • Market value: This type of cover means that the insurer will pay out the current market value of your belongings if they're damaged or stolen, taking into account depreciation.

    New for old cover is generally more expensive but provides greater financial protection.

  8. Does Park Home Insurance cover my belongings outside the home?

    Some Park Home Insurance policies offer limited coverage for personal belongings when they're temporarily away from the home (e.g., on holiday or in your car). However, this coverage is usually limited in value and duration. If you need more comprehensive coverage for your belongings outside the home, consider adding personal possessions cover to your policy.

  9. Do I need to inform my insurer if I make changes to my park home?

    Yes, it's important to inform your insurer of any significant changes to your park home, such as renovations, extensions, or changes in occupancy. These changes may affect the risk profile of your property and could invalidate your insurance coverage if not disclosed.

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

    The claims process varies depending on your insurer, but generally involves the following steps:

    1. Report the incident: Contact your insurer as soon as possible to report the incident and provide details.
    2. Document the damage: Take photos or videos of the damage and gather any relevant documentation (e.g., receipts, invoices).
    3. Cooperate with the insurer: Your insurer may send a loss adjuster to assess the damage and determine the settlement amount.
    4. Receive payment: Once your claim is approved, you will receive payment from your insurer, either directly or through a nominated contractor for repairs or replacement.

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