Unoccupied House Insurance
Unoccupied House Insurance
If your property is unoccupied, whether it’s left vacant when not being used, let as holiday accommodation, awaiting sale or for any other reason, you can still protect it with affordable cover. Most regular insurance policies will not cover you if your home is left unoccupied for long periods of time (usually 30 days or more), so special insurance is required. Unoccupied house insurance can include:
- Cover for damage by fire, theft, subsidence or flood
- Protection for walls, contents, outbuildings, etc
- New for old replacement
- Rebuilding costs
- Property owner’s liability
Unoccupied houses have different insurance risks – they might be more susceptible to theft, for example – but you can still protect yourself financially against the costs of repairs and replacing contents if something happens.
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