Whether the caravan you own is static or if it is one that you can attach to your motor vehicle you should make sure it is insured just as you would a house, car or business. I would like to tell you what caravan insurance will cover you for and which kinds are available so you can choose one that is right for you.
The type of insurance you will need is mostly dependant on whether your caravan is a static or touring one. You should think of when you will be using it and also how much the belongings you keep in there whether temporarily or permanently are worth. This will mean that should anything happen you will be able to get the items replaced.
If it is a static caravan you wish to insure you need to make sure that if you want to have any items you keep just outside such as a patio or furniture is also under the insurance. This is because not all policies will cover this so you need to check beforehand.
You have more options if the whole caravan is stolen, as well as if a fire meant that it was no longer habitable. Some of the insurers will cover you so that you are able to get an old for new which is definitely worthwhile if you are able to pay the premiums as it will mean that you are not only able to replace the caravan with an updated one but also belongings inside and outside. Other coverage will give you the market value at the time of your claim.
You can see that there are many benefits to making sure your caravan is covered by insurance, you will find that you can insure touring caravans if they are involved in any kind of accident while you are on the road. This will also mean that if anyone is injured and you are liable the medical bills and court costs will be covered as well as any property damage that may be caused.
Even if the static caravan is where you live you can still have the coverage you need so that even if you can secure your home as you would a house, you are still able to make sure that any damage or loss can be recovered without extra cost to you.