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Unoccupied Home Insurance

Unoccupied Property Insurance
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Unoccupied Property Insurance

If you are leaving your property empty, even briefly, you may find that your regular home insurance policy won’t cover you anymore. Typically, insurance providers may class properties that are left vacant for more than month as unoccupied, and they require a specific type of insurance, known as unoccupied home insurance. Unoccupied home insurance, also known as unoccupied buildings insurance, insurance for unoccupied house, buildings insurance for unoccupied property, home insurance for unoccupied houses, buildings insurance unoccupied property, or empty property insurance, can provide basic cover to protect against fire, vandalism and public liability.

When it comes to insuring unoccupied property, the reason an unoccupied house may require specialist unoccupied property building insurance, is that in the eyes of the insurance unoccupied house insurers, an empty property is more at risk. Vandalism, burglary and arson are considered more likely in an unattended house than one that is lived in, hence the need for specialist unoccupied house insurance. Of course, because there is a higher risk with an empty property, the cost of unoccupied home insurance can also higher.

Home insurance unoccupied properties

All sorts of factors can affect the price of insurance for unoccupied properties, such as how long it will be empty for, and why the property is unoccupied. Maybe you are going on an extended holiday and will be back, or it could be for sale or lease, or you may have building work being done. In addition, some people who want an insurance for unoccupied properties policy may require extra cover for things such as content and subsidence, which can also bump up the price.

Why not try Quotezone today to see if we could help you save money on your unoccupied home insurance?

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