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Posted on 17 Oct 2008

Some insurance companies will ask if your holiday home is anchored down. This can minimise storm damage, particularly if your static is sited on an exposed park, open to the elements. This could be an needed requirement on your policy so speak to your park owner or manager, as failure to anchor your holiday home may invalidate your policy.

The sum insured under your insurance policy should not only include the value of the holiday home, but it should also cover any additional items such as verandas, patios and even extras such as sheds. If you're unsure about the value of your holiday home, your park owner should be able to give you a market value or new for old valuation.

Debris removal and resiting cover should cover the cost of removing debris from the pitch should your holiday home be a total loss. It should also pay for the transportation and reconnection of a new holiday home to the mains.

Items taken from the home to your holiday home are called personal effects. You may be able to include these in your holiday home insurance. However, most household policies will cover these items, so it's always best to check with your home insurer so you don't pay for cover you don't need.

Caravan parks will most of the time insist on their residents having a certain level of public liability insurance. This cover should offer protection should you, your family, or anyone you've lent the holiday home to, cause injury to someone else or damage someone else's property.

Conclusively, when contacting insurance providers, check that a leading, solvent insurance company underwrites their policies. You want to be sure the insurance company is around to pay claims if and when the worst happens.

Heather Robinson of Leisuredays. Leisuredays insurance specialise in static caravan holiday home insurance in the UK. For more information about insuring your holiday home, visit http://www.leisuredays.co.uk Leisuredays is a trading name of Caravan Guard Limited, which is authorised and regulated by the Financial Services Authority.