Things To Look For In Static Caravan Insurance Policies
Static caravans are amazing things! Your very own home away from home; a place where
you can retreat to in order to forget all the stress of daily life. When you go and stay in your caravan for a few days, all those problems at work simply fade away.You get to do some fishing or some hill walking with those you care about the most. You get to sit down and relax as dusk approaches, which of course is something you probably never get to do when you're at home. Apart from all the joy a static caravan can provide, it can also help you to boost your household income if you choose to rent it out when you're not using it yourself. All things considered, static caravans are a great investment, and they should be treated as such.
One of the very first things you need to think about when you purchase a static caravan is static caravan insurance. Not only that, but you also need to make sure the policy you choose provides protection against all unforeseen eventualities. For example, most policies will cover the actual body of your caravan. If it gets damaged because of bad weather, or if any external fixtures are ripped off by strong winds, your insurance company will almost certainly pick up the tab.
In fact, depending on the type of cover you have, they would probably cover the cost of exterior fencing and even your patio. What you need to determine however, is whether or not you'd be covered if the damage was caused by tenants, or perhaps by a few hooligans out to cause trouble.
Good static caravan insurance should also be able to provide you with alternative accommodation if need be. In other words, if you arrive at the camp-site, only to discover there's extensive damage, and that your caravan is unfit for habitation in its current state, will your insurance company pay for you to stay elsewhere, over and above paying for all the necessary repairs? Perhaps it's been damaged beyond repair, and in that case, the wreckage would need to be removed from the camp-site. Will your insurance company pay for such services?
Unless you have plenty of spare cash sitting about, you should opt for a static caravan insurance policy that pays out in a way known as 'new for old'. This would mean your insurance company will pay for a brand new caravan should your existing one be destroyed. The only catch here is that this type of cover will usually only be available to you if your caravan is below a certain age.
Lastly but not least, you need to ensure all the contents are also adequately covered. After all, most static caravans are nowadays furnished with all the latest home luxuries, such as stereo systems, DVD players, and flat screen TV's. This is particularly important if you intend rent your caravan out. Also, if you do intend renting it out, you may want to make sure you're covered against loss of rent. This could happen because of tenants disappearing into the night, but it could also happen for reasons such as storm damage for example.
These are just a few of the basic things you need to be focusing on when you shop around for that perfect static caravan insurance deal. Above all, always make sure you get quotes from several different providers before you sign anything.
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