If you own a caravan or mobile home then you will need specialist insurance to protect it. If you own a static caravan then it will need to be insured with a type of cover that is more similar to home insurance than car insurance. Your caravan will be covered as well as your belongings and any fixtures and fittings. Tourer insurance, on the other hand, is a combination of home and car insurance that will not only protect your belongings, fittings and vehicle but also offer additional cover such as breakdown insurance.
This type of insurance can cover the caravan enthusiast for a whole range of occurrences including the spoilage of frozen foods and damage to plumbing. Check your policy for exact details of what exactly your cover extends to.
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