As your probably know, most standard home insurance policies will not provide cover for your property if it is unoccupied for 30 consecutive days or more. This makes it hard for people who, for example, have perhaps inherited a new unoccupied house or have moved but have not yet sold their previous home.
InsuraHome Unoccupied Property Insurance policies can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, with legal expenses cover available as an optional extra. With a tailor-made case-by-case approach, InsuraHome can provide your unoccupied home with the protection it requires.
Or speak to An InsuraHome Unoccupied House Insurance Specialist by calling +44 (0) 1483 806 815
To get an Unoccupied Property Home Insurance Quote – it’s quick and easy…
Or speak to an InsuraHome Unoccupied Property Home Insurance specialist by calling +44 (0) 1483 806 815
Unoccupied Home Insurance – FAQs
Can you get insurance for an Unoccupied home?
The simple answer is yes you can get insurance for an unoccupied home. Unoccupied home insurance covers you when your house or other residential property is unoccupied for longer than your standard home insurance policy will allow. InsuraHome Unoccupied home Insurance can provide cover for unoccupied properties for periods of 90, 180, 270 days or annual cover.
What counts is classed as an Unoccupied home?
You may be wondering – how long can I leave my house unoccupied so that It’s still covered? In terms of standard normal home insurance, an unoccupied home 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 unoccupied home insurance policies available on the market designed to cover these risks and circumstances.
How much does Unoccupied home Insurance cost?
The cost of an unoccupied home 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, unoccupied home insurance will cost more than a standard home insurance policy in terms cost per day of cover due to the additional risks associated with an unoccupied home.
How do I prepare my Unoccupied home 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.