If you own a house, why might it be standing unoccupied? There are any number of reasons, including:
If there is no one living in your house, it may be exposed to risks and perils over and above those when it is occupied on a more or less continuous basis:
So heightened are the risks of loss or damage, in fact, that insurers typically limit the continuation of cover or draw it to a close completely once the property has been empty for a consecutive number of days – usually, this is likely to be between 30 and 45 days, depending on the particular insurer.
With the protection your residence your let property normally enjoys therefore withdrawn, you need special unoccupied house insurance to take its place and maintain the safeguards the property requires against the distinct risks and perils.
Your principle concern when arranging this type of cover, therefore, is likely to be precisely the extent to which it makes up for the shortfall once your customary insurance has been restricted exactly what is covered and what is excluded.
When considering the level of cover you require, you might want to be able to choose between quite basic protection and that which offers comprehensive cover. Are both buildings and contents covered, for instance, and are additional risks, such as malicious damage, also included as standard features?
You also need to know for just how long you may need unoccupied house insurance – in order to avoid paying for cover when you no longer need it – yet also seek sufficient flexibility to extend the insurance if and when it becomes necessary (if building works overshoot their deadline, for instance).
At UKinsuranceNET, we employ our expertise and experience in delivering to you a personalised service which aims to identify your individual needs and requirements if you are expecting your house to become unoccupied for more than a month or so.
On the basis of that knowledge, we may then match your needs to the most appropriate insurance products available.
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