Home / Unoccupied Insurance / Unoccupied properties still need insurance

  • Jason McClean
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IF you have inherited a property, have a holiday home or even a let property that is empty, then you will need insurance to cover against losses just like your own home that you live in.

Vacant property insurance is not the scary beast that you might think; it is just a specialist version of normal home insurance. In fact, most standard house insurance policies allow you to have your property empty for 30-days or so. It is when you know the property will be empty for longer than this that you need unoccupied insurance.

This is important, because if your property is vacant for longer than 30-days and you are trying to cover it with standard home insurance, you will be found out in the event of a claim. Insurance companies employ people to check claims and if they speak to neighbours or check utility usage against your claimed dates and find you are lying, your claim will be refused and you’ll struggle to get insurance in the future. It is much easier to do it right – especially when it is unlikely to cost you much more than a standard policy anyway, the peace of mind is worth it.

Basically everything about the risk is the same as a standard home policy but you must be happy with the number of days vacant you are permitted within the policy. If you need 90-days vacancy then you must say so. Generally the longer a property is left vacant the more susceptible to theft, flood, electrical damage etc. it becomes so you can expect a small rise in price – although this is not always the case.

The best thing to do is get your property details and check with two or three brokers who specialise in unoccupied insurance. Then pick the best cover and price to meet your needs.

The Property Insurer does this hard work for you by taking your basic details in one form that takes less than two-minutes to fill in and sending it to three of the best empty property insurance experts in the UK. They will then contact you with any further questions and supply a quote, usually within the hour. That allows you to pick the right cover and compare prices of the best providers before buying.

Basically this is price comparison for unoccupied property insurance and it is likely to save you a fair bit of money while at the same time ensuring you have the right cover in place so you can sleep easy.

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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