Unoccupied Property Insurance

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Unoccupied Property Insurance

Properties can be left unoccupied for many reasons. If your property is going to be unoccupied for a period of time, you need to make sure you're fully protected with specialist cover.

Why Do I Need Specialist Unoccupied Property Cover?

Unoccupied properties pose very different risks to those in regular use. Damage from burst pipes, mould, rising damp is far more likely in an unoccupied property, especially as the heating will be kept to lower temperature than normal. Unoccupied properties are also far more likely to be targeted by vandals and squatters, especially if the property has been empty for some time.

How Does Unoccupied Property Insurance Differ to Home Insurance

Most standard home insurance policies class a property as unoccupied after 30 days, although this does vary. After that your cover won't be valid, although some home insurers can be flexible depending on the circumstances. For instance if you're going on a six week holiday you may be able to negotiate with your home insurer rather than taking out dedicated cover.

What Types of Property can be Covered?

Unoccupied property insurance isn't limited to residential properties, specialist insurers will be able to cover shops, offices, warehouses and more, it's always worth explaining your requirements.

Tips for Unoccupied Property Insurance

Choose the right cover

Make sure the policy you choose covers your needs. Make sure your insurer understands the type of property and why it's currently unoccupied. This will help them tailor the correct cover for you.

Consider Holiday Home Insurance

If it's a holiday home that's unoccupied for large portions of the year, also check quotes for holiday home insurance as you may find the rates and cover better suited to your needs.

Try to pay your premium upfront

Many insurers will charge interest if you opt to pay monthly. So, if you are able to, always look to pay for the year upfront to avoid this extra cost.

Don't buy unnecessary extras

You'll no doubt be offered a host of policy extras by your chosen insurer. Whilst some extras provide great value, don't pay extra for cover you won't use.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier behaviour like leaving repairs until it's too late.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Unoccupied Property Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

What sort of property do you need to insure? Why is it empty? What is the rebuild valuation?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Home Emergency?

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