Short Term Home Insurance

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:

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.