The First thing to consider is the fact most companies offering standard buildings and contents insurance will not insure houses left empty for more than a month. This is because there is an increased risk of:
- attempted break in and theft
- unnoticed subsidence, storm or flood damage
So, you will most likely be better covered by taking out specialised unoccupied home insurance, but this leads to the second initial point of consideration. Most unoccupied home insurance does not provide contents insurance for the empty house, only buildings cover.
This will leave some people in a tricky position. If a person is leaving there home unoccupied for a couple of months but does not want to move all of their stuff out, they face three possibilities:
- taking out a specialist unoccupied home insurance from the insureres listed above
- having to place the possessions in storage
- taking out a second home policy
A second home policy could perhaps be the easiest way to get contents insurance for an empty house, but this depends on your situation and whether or not you think an empty house policy will provide you with the right level of protection.
With this kind of specialist requirement, it is all the more important to take the time required to analyse different contents insurance quotes. The companies we have listed above will provide you with a quick and effective service.