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Vacant Property Insurance
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Vacant Property Insurance
Do you have a property that no one is living in? Then you may need vacant property insurance!
Reasons why you may need vacant home insurance
Reasons for requiring cover for your unoccupied property may include:
you have a property that needs insurance until probate is granted;
the property is uninhabitable due to renovation and repairs;
you are working away from home or having an extended holiday;
you are a landlord with a rental void;
and so on.
Won’t my current home insurance policy suffice if my property is empty?
If you have a property that is standing empty for more than 30-45 consecutive days, then typically, your current home or landlord insurance will not suffice. If the property stands empty (and a property can still be vacant or empty even if there is furniture in it), the cover provided by your existing property insurance may become severely restricted or even void.
This is because vacant properties are typically more at risk than an occupied property, as they are more likely to succumb to theft, squatters and vandalism.
Also, any damage that goes unnoticed because no one is there to spot it - for example, a small leak - can cause extensive, costly-to-repair damage.
Because of these additional risks, home insurance for vacant homes is typically required.
Why may it be difficult to get vacant house insurance?
Some insurers are not keen on supplying vacant house insurance because of the risks we described above, meaning you may find it challenging to get the most appropriate and cost-effective vacant home insurance.
The good news is that there are a range of vacant property insurance policies available from us here at UkinsuranceNET.
Good to know
Vacant property insurance is also known as unoccupied property insurance or empty property insurance – they typically all mean the same thing.
When choosing an empty property insurance policy, it is vital to ensure that you select the one most suited to your requirements. In addition, make certain that you thoroughly check your vacant home insurance policy to have peace of mind that you are not excluded from making a claim under any exemptions.
This includes any obligations you may have under the cover, such as making regular, logged checks on the property and keeping the heating (in cold weather) at an ambient temperature.
If you have any questions or queries when getting your vacant home insurance quote, please do not hesitate to contact us for clarification.
For vacant house insurance from a UK insurer that is suitable for you, CLICK HERE TO GET AN ONLINE QUOTE
We offer a range of different quotes from top UK insurers, so you can find the one that most suits your needs. Alternatively, please feel free to contact us 01325 346328 – we’d be delighted to help!