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Empty home insurance with Quotezone
An unoccupied home is a more vulnerable one, according to insurers. An empty home is more at risk of burglary, vandalism and arson, so any house that is left unattended may require empty home insurance. However, a home doesn’t have to be left unoccupied for very long before you will need this specialist empty property insurance, as most normal policies may not provide cover for a house that is left unoccupied for a month or more.
If your house is going to be empty for more than four weeks, it is important you contact your existing insurers and tell them as you may need empty house insurance. However, empty property insurance can be quite costly. Of course, as with other home insurance policies, you can shop around and use an online comparison website such as Quotezone.co.uk.
Empty home insurance cover
Basic empty home insurance, sometimes called unoccupied property insurance, empty building insurance, house insurance for empty property, house insurance empty property, house insurance empty house, empty buildings insurance, home insurance for empty property or insurance for empty houses, covers the structure of a building. This protects the property from fire, explosions and structural damage. In addition, house insurance for empty houses also provides liability cover, such as if somebody slips and hurts themselves while attending the property. However, most home insurance for empty properties can be upgraded to include other cover, such as contents, subsidence and protection from vandalism.
If you are looking at insuring an empty house, several things are normally taken into account by insurers that can affect the cost. These include why the property is unoccupied, if there is building work going on, and if the property is for sale, lease or is to be reoccupied very soon.