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Home / Unoccupied Insurance / How to buy unoccupied insurance

  • Jason McClean
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IF you own a property that is empty for more than 30 days at a time then you will need unoccupied insurance. This is vital to keep your property safe from financial ruin when it is empty. This guide will give you some tips on how to buy unoccupied insurance at the best price.

Unoccupied insurance

Save money on unoccupied insurance

What does unoccupied insurance cover?

Most standard home insurance policies will allow you to leave your property empty for up to 30 –days – just check the policy wording before taking this as gospel. If your property is empty for longer than this then you will need specialist unoccupied insurance to make sure it is protected.

Unoccupied insurance is essentially building and contents insurance. But when a normal policy stops at 30 days empty, it keeps going. You can get unoccupied property insurance for most periods of time that you request.

Can you do anything to reduce the price of unoccupied insurance?

Yes you can reduce the cost of unoccupied insurance. Join a neighbourhood watch scheme and putting the property on a monitored alarm will both help.

Then there are more practical measures you can take as well. Close the curtains, remove the valuables from the building and have someone check on it each week. These all help with keeping the property looking fresh and prevent any problems occurring.

Having someone check the property regularly is important. If it is winter and the heating system needs to be turned on to stop the pipes freezing, then that is a practical action you can take. If you leave it and they burst then it is a claim and that will cost you at least your excess.

How can I buy unoccupied insurance?

The best way to buy unoccupied insurance is to compare prices from specialist expert brokers. There is no point going to the big name insurers, they can’t deal with this sort of risk.

Go to www.thepropertyinsurer.co.uk and click on the unoccupied insurance button. This will lead to a single form that takes less than two minutes to fill in. Once completed it then goes off to three expert unoccupied insurance brokers who will then quote for your business. They understand the measures you will take to protect the property and rate the risk accordingly.

The brokers will call you and ask further information and it is in your interests to tell them as much about your requirements as policy to ensure you get the right price.

That is how you can save money and buy unoccupied insurance.

Jason McClean

The Property Insurer

I am a director of the Property Insurer and Property Landlord. We tell it how it really is. Yes property insurance can be boring , but our job is to make it more interesting, useful and above all save you money!

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