Mobile home insurance
Do you own a mobile home? Then it is wise to insure it properly against damage. At Alpina, you can insure your mobile home online. With buildings insurance, you insure your mobile home against damage caused by fire or storm. If you plan to finance the mobile home (in part) with a mortgage, it may be mandatory to insure your mobile home. If you not only want to use the mobile home yourself, but also rent it out, you can co-insure it.
Why insure a mobile home?
For most people, a mobile home is like a second home. A place where you can retreat to a different environment and enjoy peace and quiet or socialise with friends and family. If you own a mobile home, you should not think about it burning down. Not only will you lose this lovely place, but you will also be faced with high financial costs. These include cleaning up the remains, rebuilding the mobile home and replacing all the items it contained. Because these costs can quickly run into thousands of euros, it is wise to take out a good insurance policy for your mobile home. This will ensure that you will not be surprised by high costs should something happen to your mobile home.
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Which cover suits you?
Do you want to insure your mobile home for business or private use?
When you take out an insurance policy, you can indicate the type of residence. You can choose between a recreational house, chalet or mobile home. In most cases, you take out private home insurance. However, in some cases you need a business insurance. This is the case when the recreational home (mobile home) is purchased within a BV or when you rent out the mobile home more than 300 days per year. The number of days can differ per insurer. In most cases you can insure your mobile home privately, even if you intend to rent it out (occasionally). Always check this carefully in the policy conditions of the insurer.
What does it cost to insure a mobile home?
The cost of insuring a mobile home depends on several factors, such as:
- the type of dwelling (chalet, mobile home)
- the reinstatement value
- The selected coverage
- the own risk
- place of residence/region of residence
Not all insurers accept mobile homes. This has to do with the fact that you usually do not live there permanently. In some cases, the mobile home is also (partly) rented out. Furthermore, there is usually less supervision, because the mobile home is not located in a residential area. Therefore, the risk for the insurer is slightly higher than for a house. Fortunately, there are enough insurers who can insure your mobile home. However, they often impose a number of conditions on the insurance. These can be found in the policy conditions.
What is insured with the mobile home insurance?
With the standard coverage of a building insurance your mobile home is insured against fire, burglary, vandalism and damage caused by weather conditions, such as storm, hail and lightning. If you choose an all-risk cover, you are also insured in case of sudden, unforeseen events. This includes for example damage to your mobile home caused by falling, bumping or collision.
With building insurance, the amount of insurance depends on the type of dwelling. You can find this on your policy sheet. The insurer usually compensates the damage up to a maximum amount stated on the policy schedule. Even if the amount on the policy schedule is lower than the value of your mobile home.
Cheap mobile home insurance
Many people are looking for cheap mobile home insurance, as they are (in most cases) used as a second home. After all, you have already insured your home. Nevertheless, it is important to insure your mobile home as well. It is of great value to you as well. The cheapest mobile home insurance depends on the coverage you choose. The basic coverage is of course the cheapest. Would you rather be fully insured? Then it is best to choose the all-risk insurance. This costs a little more per month, but has the most extensive coverage.
Mobile home insurance: compare first!
Are you planning on taking out mobile home insurance? Start by comparing them. By comparing you will find the best insurance at the best price. With our comparison tool, comparing is easy. First you fill in some details about yourself and the caravan. In this step you can also specify what kind of recreation home it exactly is, in this case a mobile home. After that you can choose the desired coverage. Next, you will see an overview of all insurances that meet your requirements. You will not only get an overview of the premiums, but also of the corresponding policy conditions. Take a good look at these, as they can sometimes differ greatly from one insurer to another.
Take out home insurance for your mobile home
To insure both the building and the contents, you can take out home insurance. Home insurance is a combination of home insurance and building insurance. You can also extend 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. This means that you do not have to take out all the insurance separately. With a home insurance, you can be sure that your mobile home is fully insured.
Frequently asked questions about insuring a mobile home
What types of mobile homes can all be insured?
What does the mobile home insurance premium depend on?
The premium for a mobile home depends on the following factors:
- The construction type of the mobile home (the roof and walls)
- the reinstatement value
- The selected coverage
- the own risk
Can I insure my mobile home even if I rent it out?
Yes, you can also insure a mobile home that you rent out. Here, the number of days per year that you rent out the property is important. Most insurers allow you to rent out the mobile home for a maximum of 6 months per year. This may vary from one insurer to another, so always check the policy conditions. With some insurers, rental is included in the basic coverage and with other insurers you can purchase separate coverage for this. If you rent out your vacation home more than 300 days per year, you will need to purchase business property insurance.
What is the best insurance for my mobile home?
The best insurance for your mobile home differs from case to case. It depends on the type of holiday home you have and the cover you want to take out. By comparing insurances you can easily find the best insurance for your mobile home.
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