Unoccupied House Insurance

Unoccupied house insurance specialists with a dedicated team. For advice call us or request a quote online.

0845 365 1264

Quote Ref WS1

	Dedicated team specialising in unoccupied property.		Cover your house whilst unoccupied..
	Comprehensive cover available immediately		Immediate cover available
	Policies can include theft & malicious damage.		Contents cover available for unoccupied property.

Unoccupied House Insurance

There are many reasons why a house can be left unoccupied, one of the more common reasons is the owner is working away. Standard home insurance is generally inadequate in these circumstances as cover is often reduced. If your home is regularly unoccupied for more than 30 days we strongly recommend that you inform your existing home insurer and ask them to confirm what they expect of you whilst the property is unoccupied and how the unoccupancy affects the cover.

If as is often the case your existing house insurance policy is severely restricted by any significant length of unoccupancy we recommend that you consider a specialist unoccupied home insurance policy. Risks that are often excluded whilst properties are unoccupied are:-

• Theft
• Malicious damage
• Escape of water
• Accidental damage

Common conditions of unoccupied insurance policies are:-

1. If the property is empty inspected regularly.
2. The water system is completely drained.
3. Or the heating system is left on to maintain a minimum temperature.

If you are intending to leave your house unoccupied we recommend that you consider the following tips:-

• Advise your local council as you may find that your council tax can be reduced.
• If you are not taking high value possession with you consider putting them into storage.
• Ask a friend or relative to inspect the property on a regular basis and to remove any psoyt from view.
• Consider installing timers to switch lights on and off.
• Obviously inform your milkman or any other regular suppliers.
• Consider employing a gardener to do basic maintenance to prevent returning to a wilderness.
• Consider taking out a home emergency policy so that if any issues do occur there is someone available to deal with them at short notice.
• Consider taking out a landlords insurance policy if the property is onluy unoccupied while you are looking for a tenant.

For more advice about unoccupied house insurance call one of our advisors on the number above or read our unoccupied property guide.

Another area that we deal with on a regular basis is where landlords or developers buy a property to renovate. Generally in these circumstances people only require unoccupied buildings insurance to find out more about this please follow the highlighted link.

In addition to the above we also deal with unoccupied commercial property, this type of risk can be far more challenging to deal with as it deals with two areas that insurers regard as higher risk, Unoccupancy & commercial property.