Empty House Insurance From InsuraHome

Whether it’s down to extensive renovation work, sale or probate related delays, a work commitment or lifestyle choice, there are all sorts of reasons for a property falling vacant for a period of time. However, it’s a surprise to many homeowners to learn that a standard home insurance policy may not cover a house if it is going to be unoccupied for more than 30 consecutive days.

At InsuraHome Home Insurance, we are experts in providing an extensive solution for those needing an Empty House Insurance Policy. Whether your property is due to be empty for 30 days, 60 days or even a whole year, we can help protect your wallet and your peace of mind.

Or speak to an InsuraHome Empty House Insurance Specialist by calling +44 (0) 1483 806 815

What is Empty House Insurance?

Empty House Insurance, also known as unoccupied house insurance, covers the risks you face when being absent from your property for long periods of time. In some cases, even your mortgage advisor may require you to obtain this specialist kind of cover because unoccupied homes can be more susceptible to burglary and or vandalism.

Empty House Insurance is different from a ‘standard’ home insurance policy because it specifically covers the risks associated with owning a house that is going to stand empty for a period of time. That’s where InsuraHome Home Insurance can help provide cover for you and your empty property from perils such as fire, subsidence, earthquakes and more where others may have declined in the past.

InsuraHome Empty Property Insurance is Available For:

  • Vacant residential homes that are intended to be kept and occupied, used as a holiday home or second home, to be let or to be sold.
  • Properties that have already been empty for a number of years.
  • Homes requiring short term or annual policies.
  • Policy applicable to properties situated in England, Wales, Scotland, Northern Ireland, The Isle of Man and The Channel Islands.

Empty House Insurance – Key Benefits:

  • Flexible Periods of Cover: 90 days, 180 days, 270 days or Annual cover, with the ability to extend a period of cover is required.
  • Cover for Buildings & Contents.
  • Cover automatically includes Legal Expenses Cover.
  • Cover provided for accidents to Domestic Staff.
  • Cover for “Clean” and “Non-Standard” Risks.
  • Three levels of cover available: Bronze, Silver and Gold.
  • No Excesses apply, other than for claims related to subsidence.
  • Property development considered subject to certain criteria.
  • Can cover listed buildings.

Cover for a Number of Perils can be included in InsuraHome Empty House Insurance policies, such as:

  • Building works that are planned or in progress
  • Fire, lightning, explosion or earthquake
  • Aircraft and other flying devices or items dropped from them
  • Subsidence or heave of the site on which the buildings stand or landslip
  • Accidental Damage to Fixtures and Fittings
  • Accidental Damage to Services
  • Professional Fees & Expenses
  • Theft or attempted theft
  • Falling trees, telegraph poles and lamp-posts
  • Sale of Property
  • Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes.
  • And more!

Or speak to an InsuraHome Empty House Insurance Specialist by calling +44 (0) 1483 806 815

Empty House Insurance – What is Covered?

With InsuraHome’s Empty House Insurance you are able to select from 3 different cover levels and

choose a policy type that is suited to your individual needs, lifestyle and budget. Offering Bronze, Silver and Gold levels of cover, each provide different features and benefits enabling you to make the right choice when purchasing your Empty House Insurance.

Main Features of InsuraHome Empty House Insurance Cover

The following limits are provided automatically unless a higher limit is requested. To view the full list of cover available, please click here to see the full Empty Property Insurance Policy Wording.

Buildings Insurance Summary of Cover – InsuraHome Empty House Insurance

CoverBronzeSilverGold
Fire, lightning, explosion or earthquake
Aircraft and other flying devices or items dropped from them
Subsidence or heave of the site on which the buildings stand or landslip
Storm, flood or weight of snow
Collision by any vehicle or animal
Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts (buildings only)
Falling trees, telegraph poles or lamp-posts
Escape of water from or frost damage to fixed water tanks, apparatus or pipes (limited to £7,500)
Escape of oil from a fixed domestic oil-fired heating installation or smoke damage causes by a fault in any fixed domestic heating installation (limited to £7,500)
Theft or attempted theft (limited to £7,500)
Any person taking part in a riot, violent disorder, strike, labour disturbance, civil commotion or acting maliciously (limited to £7,500)

Or speak to an InsuraHome Empty House Insurance Specialist by calling +44 (0) 1483 806 815

What is Covered?
  • Currently vacant homes
  • Inherited properties
  • Non-standard properties

How to get a Quote

To get a Quote, simply do one of the following:

  • Click any of the 'Request a Quote' Buttons and complete the online form.
  • Call our Specialists on 01483 806 815.
  • Download our Application Form located on the 'Policy Documents' page, print it out and fill in your details using BLOCK CAPITALS. This form can then either be posted to us, or scanned and emailed to info@insurahome.co.uk.
  • Download our Application Form and save it to your desktop. Re-open it, fill it in digitally and click 'Send me to the InsuraHome Specialists' on the final page, once you have completed all questions.
  • If you would like to request a call, send an email to info@insurahome.co.uk with your name and contact number.

Please Note: Our Open Times are: 09:00-17:30, Monday-Friday.

Buildings Additional Insurance Cover (automatically included)

CoverBronzeSilverGold
Accidental Damage to Fixtures & Fittings
Accidental Damage to services
Professional Fees & Expenses
Sale of the Property
Replacement Locks (limited to £2,500)
Unauthorised use of Electricity, Gas or Water (limited to £2,500)
Garden, Plants & Shrubs (limited to £1,000, £250 per plant, tree or shrub)
Loss of Metered Water (limited to £1,000)
Trace & Access (limited to £5,000)
Loss of Oil (limited to £1,000)
Damage by Emergency Services (limited to £1,000)
Security Expenses (limited to £5,000)

Contents Additional Insurance Cover (automatically included)

CoverBronzeSilverGold
Replacement Locks (limited to £2,500)
Loss of Metered Water (limited to £1,000)
Loss of Oil (limited to £1,000)

Click here to see the full InsuraHome Empty House Home Insurance Policy Wording for the full summary of buildings and contents covers as well as optional covers.

To get an InsuraHome Empty House Insurance Quote – it’s quick and easy…

Or speak to an InsuraHome Empty House Insurance Specialist by calling +44 (0) 1483 806 815

Empty House Insurance – FAQs

Can you get insurance for an Empty House?

The simple answer is yes you can get insurance for an empty house. Empty home insurance covers you when your property is empty for longer than your standard home insurance policy will allow. InsuraHome Empty House Insurance can provide cover for unoccupied properties for periods of 90, 180, 270 days or annual cover.

What counts is classed as an Empty House?

You may be wondering – how long can I leave my house empty so that It’s still covered? In terms of standard normal home insurance, an empty house is usually one that has been left uninhabited for more than 30 days. This is because most standard home insurance policies will not cover your property if it is left unoccupied for longer than 30-60 days because of the increased risk of theft, vandalism, a burst pipe being undiscovered and more. Therefore, there are specialised non-standard empty house insurance policies available on the market designed to cover these risks and circumstances.

How much does Empty House Insurance cost?

The cost of an empty house insurance policy will vary depending on many factors such as the value of the property, condition of the property as well as the location and security of the property as if the property is in an area with a high crime rate then the price of cover is likely to increase. In general, empty house insurance will cost more than a standard home insurance policy in terms cost per day of cover due to the additional risks associated with a empty house.

How do I prepare my Empty House for winter?

Many homeowners and landlords forget about the obligations they have for looking after their properties during the cold, wet and windy winter period. Many things could potentially go wrong with your property such as burst frozen pipes, flooding, loss of heating, leaky roof and other unexpected surprises. Click here to check out InsuraHome’s 5 easy ways to prepare your property for winter hazards.

Or speak to an InsuraHome Empty House Insurance Specialist by calling +44 (0) 1483 806 815

Contact InsuraHome Empty House Insurance UK

If you wish to speak to one of our InsuraHome Empty House Insurance Specialists:
Call: +44 (0) 1483 806 900
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).
For Claims information, please click here.

About InsuraHome Empty House Insurance

Our Empty House Insurance policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. InsuraHome Insurance for Empty Properties is backed by a team of underwriters who are highly experienced and deal with each risk on a case-by-case basis. Therefore, our customers can be assured that all our InsuraHome Empty Property Insurance policies provide tailor-made protection, as required.

How do I get an InsuraHome Empty House Insurance Quote?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.

To get an InsuraHome Empty House Insurance quote click the ‘Request a Quote’ Button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to info@insurahome.co.uk.

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Empty House Insurance specialists on 01483 806 900.

Or speak to an InsuraHome Empty House Insurance Specialist by calling +44 (0) 1483 806 815

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