There a number of reasons properties can be left unoccupied, whether through a loved one passing away or going into care, receiving the property through inheritance or the house undergoing refurbishment.
If you own a house that is currently unoccupied, you may think there is no need for insurance, however this is not usually the case. Even if the home is empty, it will still need buildings insurance. Should the property be damaged by fire or other problems, leaving it uninsured could be a very costly mistake. Fire claims in fact account for one of the highest percentage of claims made for unoccupied properties.
Standard home insurance may not cover an unoccupied property, with many policies specifying that the property must not be left empty for more than 28 days consecutively.
This is because homes that are left unoccupied are more vulnerable to damage and theft, thus proving why adequate cover is all the more important. As specialist insurers in the field, we’re on hand to advise you on the best cover for your personal situation.
At a busy or difficult time such as selling your home or after a loved one has died, naturally the last thing on your mind will be insurance. We understand that you may not have the time or energy to deal with complications which is why we provide such an efficient and hassle free service. You can also rest assured that our policies will be at the best price possible.
Did you know that policies are also available for executors? If the property is empty after the owner has died, it can still be insured. Whilst buildings cover is often the only type needed for unoccupied home insurance, in cases where the house is not empty, it is then possible to get contents cover too.
We have an unrivalled level of experience within the industry and you can rest assured we will take the time to establish your personal requirements and provide you with a policy that best suits your individual needs.