Residential Park Home Site Owner Insurance UK
Residential park home site insurance is cover for the owners and operators of parks where people live permanently in park homes. It is different from the insurance each resident buys for their own home. The park owner needs public liability for roads, paths, trees and communal areas, cover for the park's own infrastructure such as water mains, drainage, sewage treatment plants, electricity distribution and gas networks, and buildings cover for the clubhouse, offices and any homes the owner holds for sale. Employers' liability is needed once there are staff, and business interruption can protect pitch fee and utility income after a major loss. Insurers look closely at the site licence, the condition of the infrastructure, tree management and fire spacing between homes.
Key facts at a glance
- Residents' policies don't cover the park. Each resident insures their own home; the owner insures everything else.
- Infrastructure is the big exposure. Water, drainage, sewage and electricity supplies are often the owner's responsibility.
- Liability claims centre on the grounds. Trips on roads and paths, falling branches and lighting.
- The site licence matters. Insurers ask about licence conditions, fire spacing and inspections.
- Income can be insured. Pitch fee and utility income can be protected after insured damage.
Who needs park home site insurance?
We arrange cover for anyone responsible for running a residential park, whatever its size.
- Family-owned parks. Long-established sites, often with older services and mature trees.
- Park groups. Operators with several sites under one policy.
- Mixed parks. Sites with both residential pitches and holiday lodges. For holiday use, see holiday caravan park insurance.
- New and expanding parks. Sites adding pitches or replacing older homes.
- Investors. Buyers of parks as long-term income.
What does park home site insurance cover?
| Cover | What it protects | Watch out for |
|---|---|---|
| Public liability | Injury to residents and visitors on roads, paths and communal areas | Limits that are too low for a large park |
| Site infrastructure | Water mains, drainage, sewage treatment, electricity and gas networks | Underground services left off the schedule |
| Buildings | Clubhouse, office, workshop, garages and laundry | Outdated rebuild values |
| Stock homes | Park homes owned by the park and held for sale | Homes on site but not yet sited and connected |
| Business interruption | Loss of pitch fee and utility income after insured damage | Short indemnity periods |
| Employers' liability | Injury to wardens, groundsmen and office staff | A legal requirement once you employ anyone |
Why is park infrastructure so important to insure?
On most parks the owner supplies water, drainage and electricity to every home. When those fail, the owner carries the cost and the complaints.
A burst main, a failed pumping station or a damaged sewage treatment plant can leave every resident without services. Repairs are rarely simple, because the pipes and cables are often old, poorly mapped and buried under roads and pitches. On many policies, underground services are only covered if they are specifically listed, so it is worth walking the park with the schedule in hand.
Residents of protected sites have strong rights under the Mobile Homes Act 1983 in England and the Mobile Homes (Wales) Act 2013, and the owner has obligations to maintain the site. A serious loss can quickly become a dispute, so the policy needs to respond properly and quickly.
Falling branches cause many liability claims on parks. A regular tree survey by a qualified arborist, with the work carried out, is one of the best things you can show an insurer.
What do insurers ask about a residential park?
- Number of residential pitches and any holiday pitches
- The site licence and its conditions, including fire spacing
- Who supplies water, drainage, electricity and gas
- Age and condition of the infrastructure
- Tree survey and maintenance records
- Fire points, hydrants and access for fire engines
- Flood history and nearby rivers
- Whether the park sells homes, and how many are held at once
- Claims in the last five years
How do you get the best terms?
- List all your infrastructure. Mains, drainage, treatment plants and electricity distribution.
- Get a tree survey. And keep proof the work was done.
- Keep roads and paths in repair. Record inspections and repairs.
- Maintain fire spacing. Check sheds and extensions don't breach it.
- Review the rebuild value of your buildings. Especially older clubhouses.
- Use a specialist broker. Park risks suit a small number of specialist insurers.
Frequently asked questions
Yes. Residents insure their own homes. The owner insures the park, its services and its liability.
No. Residential parks have permanent residents and different legal duties, though mixed parks can be covered together.
Only if the policy includes them. Many need to be listed specifically.
If a major loss could stop you collecting pitch fees or selling homes, yes.
They can be, as stock. Tell your insurer how many you hold at any one time.
Many parks carry at least £5 million. Larger parks often carry more.
Yes, if the park is near a river or has flooded before. Flood resilience work helps.
Yes. Multi-site policies are common for park groups.
Related guides from Miller & Partner
Miller & Partner Limited (FRN 1029698) is an Appointed Representative of Gauntlet Risk Management Ltd (FRN 308081), which is authorised and regulated by the Financial Conduct Authority. Miller & Partner Limited is registered in England and Wales (company number 16206282) and trades from Vivian House, Roman Bridge Close, Mumbles, Swansea SA3 5BG. This article is general information, not a personal recommendation or an offer of cover. Cover is subject to insurer acceptance and the full terms, conditions and exclusions of the policy issued.
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