What does mobile home insurance cover?
Policies typically include both building and contents cover, protecting the mobile home’s structure and your belongings against common risks such as fire, storm damage, theft and vandalism.
Buildings cover and contents cover comparison
Buildings cover includes
- Decking, steps and skirting
- Permanently attached fittings
- Aerials and satellite dishes
- Sheds and outbuildings
Contents cover includes
- Furniture and household appliances
- Personal belongings and clothing
- Electronics
- Jewellery
| Buildings cover includes | Contents cover includes |
|---|---|
| Decking, steps and skirting | Furniture and household appliances |
| Permanently attached fittings | Personal belongings and clothing |
| Aerials and satellite dishes | Electronics |
| Sheds and outbuildings | Jewellery |
Additional cover
A number of optional extras can be added if you want a higher level of protection for your mobile home:
Covers legal costs and compensation if a visitor is injured on the mobile home site. Cover limits vary by insurer.
Covers call-out charges if the fire brigade attends an insured incident, typically up to around €1,000.
What isn’t covered?
Mobile home insurance protects against sudden and unexpected damage, not the general upkeep that comes with owning a home. Exclusions often involve maintenance and occupancy issues instead of one-off accidents.
Not covered and why comparison
Not covered
General wear and tear
Why
Like other forms of home insurance, cover is designed to protect against unexpected events, not the gradual effects of age.
Not covered
Frost damage during unoccupied periods
Why
Damage caused by freezing pipes may not be covered if your mobile home is left unoccupied and unheated.
Not covered
Pest and vermin damage
Why
Insurers see keeping rodents and insects out as basic upkeep, which is the owner’s responsibility.
Not covered
Condensation and damp
Why
This type of damage is caused by poor ventilation and long-term damp build-up. Insurers cover sudden damage, not long-term deterioration.
Not covered
Poor maintenance
Why
Losses linked to a badly maintained roof, cladding and skirting are often not accepted by insurers.
| Not covered | Why |
|---|---|
| General wear and tear | Like other forms of home insurance, cover is designed to protect against unexpected events, not the gradual effects of age. |
| Frost damage during unoccupied periods | Damage caused by freezing pipes may not be covered if your mobile home is left unoccupied and unheated. |
| Pest and vermin damage | Insurers see keeping rodents and insects out as basic upkeep, which is the owner’s responsibility. |
| Condensation and damp | This type of damage is caused by poor ventilation and long-term damp build-up. Insurers cover sudden damage, not long-term deterioration. |
| Poor maintenance | Losses linked to a badly maintained roof, cladding and skirting are often not accepted by insurers. |
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Mobile home landlord insurance
Standard mobile home insurance is usually not designed to cover paying guests. If you rent out your mobile home when you’re not using it, you need to tell your insurer – you may need a separate landlord insurance policy instead.
Renting out a mobile home is treated as a higher risk and can increase the premium. Public liability cover becomes important once paying guests are involved. A standard policy may not protect against a guest injury claim.
Insurers need to know about letting arrangements before cover starts. Failing to declare this can affect a claim if something goes wrong during a let.
How much does mobile home insurance cost in Ireland?
Getting a mobile home insurance quote isn’t always straightforward as most Irish insurance providers don’t provide quotes directly. This makes comparing costs difficult, as most brokers need a phone call instead of an instant online quote.
In July 2026, we were quoted €294, €305 and €322 for a mobile home with two beds, one bath and a monitored alarm.
The mobile home was built in 2020 and sited in Arklow, Co. Wicklow. The policy included buildings cover of €21,000 and contents cover of €3,000.
Tip: It’s worth comparing multiple providers, as eligibility can vary significantly.
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Factors that affect the cost of mobile home insurance
A number of factors influence the cost of insurance premiums. Insurers weigh the details of the mobile home itself against the risks of where it is kept.
Age: Older mobile homes, especially those over 20 years, can be harder to insure and cost more.
Location: Proximity to the sea, flood zones and storm-prone areas can push up the premium.
Occupancy: Whether the home is used seasonally or lived in full-time affects pricing.
Claims history: A history of claims can increase what you pay.
How to reduce the cost of mobile home insurance
Mobile home owners may be able to lower their premiums by:
- Anchoring the mobile home with ground anchors or wheel locks
- Not leaving it vacant for long periods
- Installing security features such as alarms and cameras
- Increasing the voluntary excess
- Comparing quotes instead of renewing automatically
Insurance for permanent mobile home residents
Standard mobile home insurance is built for seasonal and holiday use – not full-time living. Insurers may ask for proof of a separate permanent address, such as your name on the electoral register elsewhere, to confirm you’re not living there permanently. Without that proof, a higher premium usually applies.
Permanent residents will need a specialist year-round policy. Some providers factor in permanent residence when setting cover limits, such as for alternative accommodation.
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Every mobile home is priced differently based on its age, location and use. Compare quotes to find the best mobile home insurance price for you.
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Mobile home vs caravan insurance
A mobile home stays sited in one place, usually in a holiday park. A caravan is built to be towed behind a vehicle between locations, which changes the type of cover it needs.
- Category
- How it's used
- Mobile home
- Sited permanently on a holiday park
- Caravan
- Towed behind a vehicle between locations
- Category
- Cover needed
- Mobile home
- Static cover for the structure and contents
- Caravan
- Static cover, plus touring cover for transit
- Category
- Transit damage
- Mobile home
- Not included, since the home stays in place
- Caravan
- Covered while the caravan is being towed
- Category
- Contents cover while travelling
- Mobile home
- Covered at the one site the home never leaves
- Caravan
- Covered at different sites during the trip
| Category | Mobile home | Caravan |
|---|---|---|
| How it's used | Sited permanently on a holiday park | Towed behind a vehicle between locations |
| Cover needed | Static cover for the structure and contents | Static cover, plus touring cover for transit |
| Transit damage | Not included, since the home stays in place | Covered while the caravan is being towed |
| Contents cover while travelling | Covered at the one site the home never leaves | Covered at different sites during the trip |
Who offers mobile home insurance in Ireland?
Finding a mobile home insurance quote can be challenging because most insurers don’t offer these specialist policies directly. Providers usually won’t provide a quote over the phone, and those that do (like Allianz) often require you to hold a standard home insurance policy with them first.
Rather than contacting multiple insurers yourself, you can complete a single enquiry below in less than a minute to access Irish insurers that offer competitive premiums.
Frequently asked questions
Park insurance is another name mobile home providers use for mobile home insurance, covering homes sited on campervan, caravan and holiday parks. This is different from the park operator’s own site insurance, which protects shared roads and fencing. Confirm with the park operator whether their policy extends to individual homes before assuming you’re covered.
Mobile home insurance isn’t a legal requirement under Irish law. Most holiday parks make cover a condition of the site licence agreement before allowing a mobile home onto a pitch. Finance agreements can carry a similar condition.
Standard mobile home insurance covers the home while it’s sited and stationary. Movement between pitches typically falls outside standard cover, since transit carries different risks that need a specialist in-transit policy. Check with the removal company and insurer before any relocation.
To make a claim, contact the insurer promptly with policy details, photos of the damage and a description of what happened. Larger claims typically need supporting documents such as receipts for damaged contents and quotes for repairs. Insurers may ask for a Garda report for theft and vandalism claims.
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