Short Term Home Insurance

Short Term Pay As You Go Home Cover

There are a number of potential situations in which an individual or family may need short term home insurance. Most of these are likely to involve the home being unoccupied for less then a year due to:

  • Building work
  • The house is waiting to be sold
  • The house is inherited or is going through probate
  • The owner regularly uses a second home or is frequently away

In all of these situations short term home insurance could be a potential solution. Like all insurance the devil is in the detail, so comparisons of different home insurance quotes will help you find the best deal. See below for our selection of specialist providers and see if they offer the short term home insurance you need:

Compare - Latest Pay As You Go Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
£500,000£50,000

Pay as you go home insurance.

Insure your buildings and/or contents with a new hassle free monthly policy. Very competitively priced per month with built in legal expenses and emergency cover as standard. Buy online instantly. Easy claims settlements. Automatic monthly renewal – start and stop when you like.

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Compare Home Insurance Quotes
Provided via:Total Number of InsurersContents InsuranceBuilding InsuranceLandlord & Tenant InsuranceGet Quotes
70YesYesYesGet Quotes >
80+YesYesYesGet Quotes >
70+YesYesYesGet Quotes >
Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

Get Quotes >
£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

Get Quotes >
£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

Get Quotes >
Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

Get Quotes >
UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

Get Quotes >
VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

Get Quotes >

*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

The reason why many people feel it is better to take out a separate short term home insurance policy is because many more long term policies will become void if the property is unoccupied for more then 30 days.
Most insurers offering short term home insurance will allow a degree of flexibility between whether the policy lasts for 12 months or a shorter time frame.

Most short term polices will be subject to a number of exclusions, written into the contract, which will mean an individual cannot claim using the policy.

Some examples of possible exclusions could be:

  • If windows or other entry points are left unlocked, resulting in theft or damage from unforced entry
  • If major building or renovations work causes damage
  • If builders or contractors are the root cause of the damage

Again the particulars of the different provider’s short term home insurance policies will differ so you should compare a number of different home insurance quotes before settling on a policy.