I want to insure my house whilst it is unoccupiedGet Quotes
75% of customers could get a cheaper quote over the phone *Call now on 01325 346 328 and Quote Ref WSS01 Call now on and Quote Ref WSS01
Click "Get Quotes" below
Short term cover with no cancellation charge
Interest free direct debit available
Comprehensive cover available
Policies can include theft & malicious damage
Contents cover available for unoccupied property
Unoccupied Property Insurance
A standard home insurance policy is not suitable for a domestic property that is unoccupied. Many of the valued features of home insurance or landlords insurance would be invalid if the property were left unoccupied for a significant period.
Most owner occupied and landlords insurance policies have a specified period after which cover is reduced should the property remain unoccupied; typically this is 30-60 days. For a property that is to remain unoccupied a vacant property insurance policy would be necessary.
If your property is only to be unoccupied for a short period then a home insurance policy or landlords insurance could still be suitable. UKinsurancenet Zurich Property Insurance policy allows the property to be unoccupied for a period of 90 days before a reduction of cover applies. This is longer than many other empty property insurance policies and provides greater peace of mind where a property is to remain untenanted for a short period. Unoccupied property insurance is also known as empty property insurance or vacant property insurance.
As with most other there are different cover options available:-
Public Liability Insurance for Buildings.
Public Liability Insurance for Contents.
If the property is used for any commercial purposes this will again require a different policy. Standard commercial buildings insurance would not be suitable for a property that will remain unoccupied for any length of time. A specialist unoccupied commercial property insurance would need to be put in place. A residential unoccupied property insurance policy would also be unsuitable as a commercial property would be an unacceptable risk to insurers.
If you have any queries about your requirements please do not hesitate to contact one of our advisors.
* 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