{"id":33130,"date":"2025-10-09T06:47:21","date_gmt":"2025-10-09T11:47:21","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=insight&#038;p=33130"},"modified":"2026-04-08T06:50:09","modified_gmt":"2026-04-08T11:50:09","slug":"protecting-your-leisure-and-park-home-properly","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/uk\/insight\/protecting-your-leisure-and-park-home-properly\/","title":{"rendered":"Underinsurance &#038; Replacement Costs: Protecting Your Leisure and Park Home Properly"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_style=&#8221;page-hero&#8221; row_padding_top=&#8221;pt-0&#8243; row_padding_bottom=&#8221;pb-5&#8243; full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1750779657728{padding-bottom: 200px !important;}&#8221; el_class=&#8221;bg-brand-linear-gradient-vertical&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image hero--background-image-blur\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h1 class='text-white    h1'>\n      Underinsurance &amp; Replacement Costs\n    <\/h1>\n\t<p class='text-white subheading'>Protecting Your Leisure and Park Home Properly<\/p>\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_section section_padding_top=&#8221;pt-3&#8243; section_padding_bottom=&#8221;pb-3&#8243; full_width=&#8221;stretch_row&#8221; el_class=&#8221;overflow-visible&#8221;][vc_row row_padding_top=&#8221;pt-4&#8243; el_class=&#8221;overflow-visible overlapping-row&#8221;][vc_column el_class=&#8221;overlapping-column&#8221;][vc_single_image image=&#8221;33138&#8243; img_size=&#8221;1082&#215;439&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221; el_class=&#8221;brand-rounded-corners-right&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_top=&#8221;pt-0&#8243; row_padding_bottom=&#8221;pb-0&#8243;][vc_column][vc_column_text css=&#8221;&#8221;]<strong>When it comes to insuring your leisure or park home, it\u2019s not just about having a policy in place &#8211; it\u2019s about having the right policy with the correct levels of cover. Unfortunately, underinsurance for park homes and leisure properties is a widespread issue that leaves many owners vulnerable to significant financial losses when they need to make a claim.<\/strong><\/p>\n<p><strong>In this blog, we\u2019ll explain what underinsurance really means, how it affects leisure home insurance, and why understanding the true replacement cost of park homes is essential if you want to stay properly protected.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-1&#8243;][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      What is Underinsurance in Park and Leisure Homes?\n    <\/h3>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]Underinsurance occurs when the amount your property is insured for is less than the cost it would take to replace or rebuild it. In the case of park home insurance or leisure lodge insurance, this can happen in several ways:<\/p>\n<ul>\n<li>The rebuild cost of park homes has increased due to inflation or supply chain issues.<\/li>\n<li>The policyholder has not updated the value in line with market changes.<\/li>\n<li>Contents cover has not been reviewed or properly calculated.<\/li>\n<\/ul>\n<p>If your leisure or park home is underinsured, your insurer may apply the &#8220;average clause&#8221; in the event of a claim. This means they will reduce the payout in proportion to the level of underinsurance. In some cases, claims can even be denied entirely if the cover was seriously misrepresented.[\/vc_column_text][\/vc_column][\/vc_row][vc_section section_padding_top=&#8221;pt-1&#8243; full_width=&#8221;stretch_row&#8221; section_type=&#8221;bg-solid&#8221;][vc_row row_padding_bottom=&#8221;pb-3&#8243;][vc_column]  <div class=\"container overlapping-image-container content-left\">\n    <div class=\"row\">\n      <div class=\"image-column col-md-12 col-lg\">\n        <div class=\"image-column--inner\" style=\"background-image: url('https:\/\/www.bbrown.com\/wp-content\/uploads\/2025\/10\/AdobeStock_424249248-scaled.jpeg');\"><\/div>\n      <\/div>\n      <div class=\"content-column col-md-12 col-lg-7\">\n        <div class=\"content-column--inner\">\n                      <h3>Why Is Underinsurance Common in Park Homes?<\/h3>\n                    <div class=\"content-column--content \">\n            <\/p>\n<ol>\n<li><strong> Misunderstanding Replacement Costs<\/strong><\/li>\n<\/ol>\n<p>Many owners believe the market value of their home is the same as its rebuild or replacement cost. However, the replacement cost of park homes can include delivery, siting, installation, groundworks, connection to utilities, and more &#8211; not just the cost of the unit itself.<\/p>\n<ol start=\"2\">\n<li><strong> Static and Leisure Homes Often Increase in Value<\/strong><\/li>\n<\/ol>\n<p>Static home insurance can be tricky because these properties may go up in price, particularly if they are in high-demand holiday parks or if specification standards change.<\/p>\n<ol start=\"3\">\n<li><strong> Failure to Adjust for Inflation<\/strong><\/li>\n<\/ol>\n<p>Material costs and labour rates have increased significantly in recent years. If your park home insurance cover hasn\u2019t been updated recently, it could be falling well short of what\u2019s needed to cover a total loss.<\/p>\n<ol start=\"4\">\n<li><strong> Renovations and Upgrades<\/strong><\/li>\n<\/ol>\n<p>Upgrades to decking, kitchens, or bespoke furnishings can significantly increase the value of your home. If these improvements are not declared to your insurer, you run the risk of being underinsured.          <\/div>\n                  <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n[\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_top=&#8221;pt-2&#8243;][vc_column][vc_column_text css=&#8221;&#8221;]<strong>Real Consequences of Being Underinsured<\/strong><\/p>\n<p>Underestimating the rebuild cost of park homes can lead to painful consequences. Let\u2019s say your leisure home is worth \u00a3150,000, but you only insured it for \u00a3100,000. That\u2019s a third short of the real replacement cost. In the event of a claim &#8211; even for partial damage &#8211; your payout could be reduced proportionately.[\/vc_column_text][\/vc_column][\/vc_row][vc_section section_padding_top=&#8221;pt-0&#8243; section_padding_bottom=&#8221;pb-0&#8243; css=&#8221;.vc_custom_1760015211962{margin-top: 0px !important;padding-top: 0px !important;}&#8221;][vc_row row_padding_bottom=&#8221;pb-4&#8243; full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1741088111883{background: #002855 url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2025\/02\/4be645659cbbb0f3bbb6de6614f07be2.png?id=12053) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; row_title=&#8221;New CTA&#8221;][vc_column width=&#8221;1\/2&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-white    h2'>\n      Solutions at<br \/>\nEvery Stage\n    <\/h2>\n\t\n  <\/div>[\/vc_column][vc_column column_padding_bottom=&#8221;pb-0&#8243; width=&#8221;1\/2&#8243;]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-light-blue    h3'>\n      Smart Cover Starts Here\n    <\/h3>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;text-white&#8221;]Insurance isn\u2019t one-size-fits-all. Let\u2019s explore options designed to match what matters most to you, with flexibility and clarity every step of the way.[\/vc_column_text]\t<div class='wpb_content_element text-left btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='#form' target='' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Request a Quote<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      How to Determine the Right Replacement Cost\n    <\/h3>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]To make sure you have adequate leisure home insurance, it\u2019s vital to know the true cost to replace your property. <strong>Here are some tips:<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Request a Manufacturer\u2019s Quote<\/strong><\/p>\n<ul>\n<li>For newer units, ask the manufacturer or dealer for a current price including delivery and installation.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Include All Additional Structures<\/strong><\/p>\n<ul>\n<li>Don\u2019t forget to include things like decking, skirting, outbuildings, and fencing in your park home insurance valuation.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Consider Site-Specific Costs<\/strong><\/p>\n<ul>\n<li>Many parks require specific siting and service connection arrangements. Be sure your replacement cost includes these.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Review Annually<\/strong><\/p>\n<ul>\n<li>Every year at renewal, reassess the value of your home and contents. This is especially important during times of inflation or rising construction costs.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_top=&#8221;pt-2&#8243;][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      What Should Park Home Insurance Cover Include?\n    <\/h3>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]A good specialist park home insurance policy can offer:<\/p>\n<ul>\n<li>Full replacement of the home, including siting and delivery<\/li>\n<li>Accidental damage cover<\/li>\n<li>Storm, flood, and fire protection<\/li>\n<li>Contents insurance<\/li>\n<li>Alternative accommodation if your home becomes uninhabitable<\/li>\n<li>Theft and vandalism cover<\/li>\n<\/ul>\n<p>Check your policy documents carefully or speak to one of our team to ensure you\u2019re not leaving anything out.[\/vc_column_text][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221; section_type=&#8221;bg-solid&#8221; css=&#8221;.vc_custom_1760014829961{background-color: #eaeaec !important;}&#8221;][vc_row][vc_column width=&#8221;1\/2&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-brand-blue   text-bold h2'>\n      How We Can Help\n    <\/h2>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]At Brown &amp; Brown, we understand that leisure and park homes are not like traditional properties. That\u2019s why we work with to provide tailored solutions that reflect the true replacement cost of park homes and offer meaningful protection.<\/p>\n<p>We help you review your current cover, and ensure all structures and improvements are included. Whether you own a holiday lodge, a residential park home, or a static caravan, we can recommend the right specialist park home insurance solution for your needs.<\/p>\n<p>Our team takes the time to understand your property, usage, and location. We\u2019ll guide you in updating your where needed, so you\u2019re not left underinsured when it matters most.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;33143&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue   text-bold h3'>\n      Don\u2019t Let Underinsurance Catch You Out\n    <\/h3>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]Underinsurance is a serious issue that can cost you thousands at the worst possible time. Ensuring your leisure home insurance reflects the full replacement value &#8211; including delivery, installation, and all structures &#8211; is essential for financial protection.<\/p>\n<p>Take the time to assess your current policy, update your figures, and speak to our team today about the unique risks and requirements of underinsured leisure homes.[\/vc_column_text][\/vc_column][\/vc_row][vc_section el_id=&#8221;form&#8221;][vc_row row_padding_top=&#8221;pt-2&#8243;][vc_column]\n  <div class='content-heading text-center 100%  '>\n    \n    <h1 class='text-brand-blue    h1'>\n      Ready to help minimise your risk and uncertainty?\n    <\/h1>\n\t\n  <\/div>\n  <div class='content-heading text-center 100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      Fill In Our Quick Form Today for a Quote.\n    <\/h3>\n\t\n  <\/div>[vc_raw_html css=&#8221;&#8221;]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[\/vc_raw_html][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; 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row_padding_top=&#8221;pt-0&#8243; row_padding_bottom=&#8221;pb-5&#8243; full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1750779657728{padding-bottom: 200px !important;}&#8221; el_class=&#8221;bg-brand-linear-gradient-vertical&#8221;][vc_column][\/vc_column][\/vc_row][vc_section section_padding_top=&#8221;pt-3&#8243; section_padding_bottom=&#8221;pb-3&#8243; full_width=&#8221;stretch_row&#8221; el_class=&#8221;overflow-visible&#8221;][vc_row row_padding_top=&#8221;pt-4&#8243; el_class=&#8221;overflow-visible overlapping-row&#8221;][vc_column el_class=&#8221;overlapping-column&#8221;][vc_single_image image=&#8221;33138&#8243; img_size=&#8221;1082&#215;439&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221; el_class=&#8221;brand-rounded-corners-right&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_top=&#8221;pt-0&#8243; row_padding_bottom=&#8221;pb-0&#8243;][vc_column][vc_column_text css=&#8221;&#8221;]When it comes to insuring your [&hellip;]<\/p>\n","protected":false},"author":51,"featured_media":33138,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"insight_category":[133],"class_list":["post-33130","insight","type-insight","status-publish","has-post-thumbnail","hentry","insight_category-thought-leadership"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Underinsurance &amp; Replacement Costs: Protecting Your Leisure and Park Home Properly - Brown &amp; Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/uk\/insight\/protecting-your-leisure-and-park-home-properly\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Underinsurance &amp; Replacement Costs: Protecting Your Leisure and Park Home Properly\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=&#8221;page-hero&#8221; row_padding_top=&#8221;pt-0&#8243; row_padding_bottom=&#8221;pb-5&#8243; full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1750779657728{padding-bottom: 200px !important;}&#8221; el_class=&#8221;bg-brand-linear-gradient-vertical&#8221;][vc_column][\/vc_column][\/vc_row][vc_section section_padding_top=&#8221;pt-3&#8243; section_padding_bottom=&#8221;pb-3&#8243; 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