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Empty House Insurance
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Empty House Insurance
Is your home going to be empty for any length of time? Or, if you are a landlord, will there be no tenants in your buy to let property for a while?
Although you probably have standard home building and contents insurance or landlord insurance to cover the occupied property, why do you need to think about specialist empty house insurance when it’s not?
What is empty home insurance and what does it cover?
Empty property insurance is just that – it provides cover for the structure and fabric and the contents of a property which is temporarily unoccupied.
It is temporary, standalone insurance which continues to ensure that the building and (if required) its contents remain adequately protected even when no one is living there.
Although your property may be unoccupied for a number of consecutive days, in the majority of cases it is unlikely to stay that way for more than a year. Because empty house insurance is short term, therefore, it is possible to arrange cover for less than the full 12 months typically required of other forms of general insurance and might cover a period of just three or six months, for example.
If it turns out that your property is going to be unoccupied for longer than you initially imagined, however, insurance for your empty home is generally sufficiently flexible to allow you to extend it as necessary.
Further information about what is covered by empty home insurance may be found in our free unoccupied property guide.
Why may you need empty house insurance?
The principal reason why you might need specialist insurance for your empty home is simply because your current home insurance or landlord insurance no longer provides the cover you need once the building has been unoccupied for longer than 45 to 90 consecutive days or so (the exact period depending on your current insurer).
Restrictions on the current insurance, or even the removal of cover completely, happens because of the increased risks to a property which is left empty – routine repairs might develop into major emergencies when there is no one at home to spot them and an empty property attracts all manner of unwanted attention from vandals and intruders.
Yet your home still needs the protection of adequate insurance – which is also almost certain to be a condition of any mortgage on the property.
Why choose us at UKinsuranceNET?
We are specialists in the provision of empty property insurance.
We know that no one size fits all and that the specialist insurance that meets your individual needs has to be tailored to your particular circumstances, the nature of the property involved and the length of time you expect it to stand empty.
Our personalised customer service is backed by a combined total of 50 years’ of experience in this specialist area of property insurance and you may have confidence in dealing with a company that has grown to become one of the UK’s leading UK insurers.
* 75% of all customers receiving an online quote in May 2017 could have obtained a cheaper quote over the phone, based on the information they provided