Unoccupied property insurance
IF your house is empty for any significant period of time then you will most likely need Unoccupied Insurance to make sure it is protected against theft, fire and other potential problems.
Generally a standard home insurance policy will allow 30-days unoccupied – but do check your own policy carefully as they can differ enormously. If the property is empty for longer than this then not only do you need unoccupied insurance but you should get it to make sure you are covered.
Vacant properties have their own set of risks that are different from normal homes, largely because there is no one living in them and if opportunist thieves or squatters pick up on that they may be tempted to break in – there is a potential higher risk.
Good vacant insurance will take any additional risk, the value of the contents (often less if a property is empty and therefore reducing the risk), the postcode, any previous claims, the situation of the owners etc. into account and give you cover to meet your needs at a realistic price.
Normally empty property insurance is not that much different from a standard home insurance policy and there are plenty of specialist providers ready to compete for your business.
To get the cover you need, simply visit The Property Insurer and click on the Unoccupied Property Insurance button on the homepage and follow the instructions – you will be dealing with one of the best specialist providers of insurers in the UK.
Jason McClean
The Property Insurer
