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We can offer various levels of unoccupied property insurance for all types of empty property, with just a simple phone call. Specialists in the provision of non-standard policies, we can arrange flexible terms on a variety of empty home insurance policies, all designed to cover prolonged periods of vacancy.
To many standard insurers an unoccupied house is considered high risk. An empty home is regarded as vulnerable and at greater risk of damage due to vandalism, water damage due to burst pipes and other maintenance related concerns which can escalate if left unchecked.
It is this additional risk which leads standard insurers to restrict and often revoke cover should a property be unoccupied for more than 30 days per annum.
Whatever the reason for a house being left empty, it’s crucial that insurers are informed and specialist levels of cover are put in place to protect it. This needn’t be difficult or expensive, however it is worth remembering that many insurers will refuse to pay out under the terms of a standard policy, should it come to light that the property has been left vacant.
Prime reasons for requiring unoccupied property insurance:
Our knowledgeable account managers are always happy to advise on the best levels of cover, the most competitive rates and the most suitable solution for you.
Insuring your home whilst you undertake a major renovation or just a small extension is relatively straight forward. We can offer a number of options dependent upon the level of cover that you require. This can include:
There are numerous levels of cover available on unoccupied property insurance, depending on the level of cover you require. Full cover is often available provided the specialist insurer is fully aware of the circumstances.
If your property will be left unoccupied for an extended length of time, there are simple steps you can take to help protect against crime that can have an influence over your policy. These include:
We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.