Just because your property is empty you shouldnÂt neglect the essential protection of your important asset, so you need specialist empty property insurance.
There are many reasons why a property becomes empty, you might be between properties, you are intending to let the property, or in the recent case of our family it is empty as a result of it being left in a will following the death of a close relative.
Even when a property that you own is not occupied, it is important to continue with insurance policies that you have in place for that property, or if you need insurance for the first time then seek specialist insurance, after all your property is a significant investment so you will want to make sure it is protected at all times.
Just because no one is living in the property it does not mean that it is excluded from risk, infact the risks associated with unoccupied property are actually greater. People occupying a property are able to keep it secure and maintained, problems with plumbing or heating can be identified almost immediately, if left for a period even the smallest of water leaks can cause extensive damage and potentially make the property unstable. For properties empty for a prolonged period of time can also suffer from damp or condensation because the property is not being regularly ventilated.
Importantly, properties laying empty for an extended period of time are at an increased risk from anti-social behavior, theft and malicious damage. Clean up and repairs from Â such damage can be very expensive and can at times have a long-lasting emotional impact.
As with any normal occupied property, empty properties are at risk from the usual perils of storm damage, flood, lightning strike and earthquakes.
My main piece of advice is to not solely rely on insurance to manage your risk, insurance is only there to pick up the pieces after all, so make sure you regularly inspect the property and donÂt leave it for weeks and months; ensure you or a trusted friend or relative gain access to the property and carry out a proper inspection of each room and outbuildings, this can save a lot of heartache in the future.
Here are my 3 steps to a great deal for empty property insurance: –
1)Â Â visit www.thepropertyinsurer.co.uk and click on the unoccupied insurance button.
2)Â Â Click on ÂGet a QuoteÂ and complete the online form, that only takes a few minutes
3)Â Â Our specialist Broker understands the specific needs of insuring an empty property
and has access to markets that can cover a wide variety of circumstances.
Our empty property insurance solution is provided by one of the UK’s leading specialists providers, they will offer cover that meets your requirements and your budget, so you can be assured of a great deal from The Property Insurer.
The Property Insurer