Comparing and buying your mobile home insurance

For most people, a mobile home is a kind of second home. A place where you can retreat, be in a different environment for a while and enjoy peace and quiet or socialize with friends and family. Therefore, if you have a mobile home, don't think about it burning down. Not only would you lose this nice place, but you would also be faced with high financial costs. These include cleaning up the remnants, rebuilding the mobile home and replacing all the belongings that were in the caravan. Because these costs can quickly run into the thousands of dollars, it is wise to take out proper insurance for your mobile home. This way, you will ensure that you will not be surprised by high costs should anything happen to your mobile home.

When you go to take out insurance, you can specify what kind of residence it is. You can choose between a recreational home, chalet or mobile home. In most cases, you will take out private home insurance for this. In some cases, however, you will need business insurance. This is the case when the holiday home (mobile home) is purchased within a private limited company or if you rent out the mobile home for more than 300 days per year. The number of days may vary from one insurer to another. In most cases, however, you can insure your mobile home privately, even if you intend to rent it out (occasionally). Always check this carefully in the insurer's policy conditions.

The cost of insuring a mobile home depends on several factors, including:

• The type of property (chalet, mobile home)
• the reinstatement value
• the coverage chosen
• the deductible
• residence/region

Not all insurers accept mobile homes. This is due to the fact that you usually do not live there permanently. In some cases, the mobile home is also (partially) rented out. Moreover, there is usually less supervision because the mobile home is not located in a residential area. As a result, the risk to the insurer is slightly higher than for a residential home. Fortunately, there are plenty of insurers where you can insure your mobile home. However, they often impose a number of conditions on the insurance. These can be found in the policy conditions.

With standard property insurance coverage, your mobile home is insured for fire, burglary, vandalism and damage caused by weather conditions such as storm, hail and lightning. If you choose all-risk coverage, you are also insured for sudden, unforeseen events. This includes, for example, damage to your mobile home caused by falling, bumping or collision.

With building insurance, how much the building is insured for varies by type of home. You can find this on your policy schedule. The insurer usually compensates the damage you have up to a maximum amount listed on the policy document. Even if, in the event of damage, the amount on the policy certificate is lower than the value of your mobile home.

Many people look for cheap mobile home insurance, since it is used (in most cases) as a second home. After all, you already have your home insured as well. Still, it is important to properly insure your mobile home as well. If all goes well, it is also of great value to you. What is the cheapest mobile home insurance for you depends, among other things, on the coverage you choose. Basic coverage is obviously the cheapest insurance. Do you prefer to be fully insured? Then it's best to go for all-risk insurance. This costs a little more per month, but has the most comprehensive coverage.

Planning to purchase mobile home insurance? Then start by comparing. By comparing you will find the best fitting insurance at the most competitive price. With our comparison tool, comparing is very easy. First you fill in some information about yourself and the caravan. In this step, you can also indicate exactly what kind of recreational home it is, in this case a mobile home. After this, you can choose the desired coverage. You will then be presented with an overview of all insurance policies that meet your requirements. You will not only get an overview with the premiums, but also the corresponding policy conditions. Look at these carefully, as they can sometimes differ greatly from one insurer to another.

To insure both buildings and contents, you can purchase home insurance. Home insurance is a combination of contents insurance and building insurance. You can also expand the home insurance with liability insurance, legal assistance insurance and continuous travel insurance. When you take out these insurances together, we call this a home insurance package. So you do not have to take out all insurances separately. With home insurance, you can be sure that your mobile home is fully insured.