Unoccupied home insurance covers the speciic risks that face a home that is left empty for a significant amount of time. This could be due to temporarily leaving the home due to renovations or it could simply be for a holiday home that only sees use for part of the year. In any case if a home is left unoccupied there is an increased chance of break ins, theft and problems that build over time (such as damage from unnoticed leaks).
Protect your investment
Make sure that your holiday home gives you freedom not financial burden
Get cover on an inhereted property that you arte not ready to move into.
If tenants are moving out and you expect a property to remain empty for some time then consider unnocupied home insurance.
Make sure you're covered for the little things you can't notice while you're away.
If you have a property that is not in current use, or you have a holiday home you only visit occasionally then Unoccupied Home Insurance allows you to make the most out of your second property without needing to worry about the financial burden should something happen while you're not there to prevent it.
Frequently Asked Questions
Absolutely, a new build can be covered under this policy and when you move in you can get in touch to make the neccessaradjustmetns to your policy.
If you are selling your property and have already moved out, such as if you live abroad, or you are selling an inherited property then an Unoccupied Home policy can help you protect the value of your home so you don't lose out on revenue if anything should happen before it's sold.
With a standard policy you may have a limited amount of unoccupied cover. However if you go above this then you will need to seek speicalist cover. You will be covered for your full term (often between a few months to a year) and then you will have the option to renew cover.
