Unoccupied House Insurance

Unoccupied house insurance cover is a type of policy that is designed to protect residential buildings that are empty for a wide range of reasons. Most conventional home insurers and underwriters do not usually want this type of business so empty homeowners need to find specialist non standard policy providers.  Typical reasons why a home may be unoccupied include;

Insurers, brokers and underwriters that do provide unoccupied property insurance quotes all have different terms and conditions on their respective policies. The vacant homeowner should ensure that they understand and adhere to any conditions, warranties and special terms applicable to their policy.  Typical conditions imposed by underwriters of vacant property insurance policies include:

Empty House Insurance

• Inspection – check property regularly, usually at least once a week
• Water – during certain periods of the year most underwriters will require the mains water supply to be switched off and internal water systems to be drained.
• Security – some underwriters also insist on all external doors and accessible windows to be fitted with key operated locks to a certain standard.

Some unoccupied home insurance companies will only offer policies that include limited cover on the actual building only. Other insurers may well include a wider range of perils that are included as standard or optional extras under their policies. Typically you can have the following type of items covered by an empty property insurance policy:

• Building cover
• Content cover
• Property Owners Liability

Some insurers offer discounts on empty house insurance policies for buildings that are protected by a working burglar alarm system, locks on windows and fire alarm systems. For an online quotation, simply complete the quote form and your information will be passed onto professional insurance brokers that specialise in these types of policies. Some of our broker panel also offer short term policies with a minimum 3 month period.