Unoccupied Property Insurance
A choice of insurers and covers available on most unoccupied buildings
Insurance for Unoccupied Properties
Compare policy, insurers, cover and quotes online on all types of unoccupied buildings. Cover can include building, content and public liability subject to underwriting criteria. For an online vacant property insurance quote simply complete our quote form. You have the option to go on immediate cover.
Welcome to our dedicated unoccupied property insurance page - We have three levels of cover available for the unoccupied property policy.
Compare policy, insurers, cover and quotes online on all types of unoccupied buildings. Cover can include building, content and public liability subject to underwriting criteria. For an online vacant property insurance quote simply complete our quote form. You have the option to go on immediate cover.
Welcome to our dedicated unoccupied property insurance page - We have three levels of cover available for the unoccupied property policy.
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Unoccupied House
Unoccupied Home
Unoccupied Property
Vacant House
Vacant Home
Vacant Property
Empty Home
Empty House
Empty Property
Level 1: Fire, Lightning, Earthquake, Explosion and Aircraft only
Level 2: Full perils excluding theft, malicious damage and escape of water
Level 3: Full perils subject to underwriting criteria
Level 2: Full perils excluding theft, malicious damage and escape of water
Level 3: Full perils subject to underwriting criteria
Homes that are going to be unoccupied for 30 or more days must be insured with a vacant home insurance policy. This type of property policy can include building, content and liability cover. The most common reason why one needs an unoccupied property insurance cover is because they have a house for sale and most policyholders know that a conventional home insurance policy is not available for empty properties. Most standard house insurers and underwriters do not provide any cover for properties that will be unoccupied for more than 30 days at any one period.
The underwriters assume that there is a greater chance of a claim arising from vacant homes especially from vandalism, theft and escape of water. Also, if there is a claim under the unoccupied house insurance policy, then the value of the claim may be a lot higher than if it was occupied. However there are underwriters, brokers and insurers that will write vacant property policies at highly competitive rates. Remember no two policies are the same, so check exactly what is being covered and more importantly what is being excluded.
Generally the premiums payable on an unoccupied home insurance policy are higher than an equivalent conventional house insurance. Premiums can be reduced by the underwriters, who give discounts if certain risk managements are in place by the householder:
The underwriters assume that there is a greater chance of a claim arising from vacant homes especially from vandalism, theft and escape of water. Also, if there is a claim under the unoccupied house insurance policy, then the value of the claim may be a lot higher than if it was occupied. However there are underwriters, brokers and insurers that will write vacant property policies at highly competitive rates. Remember no two policies are the same, so check exactly what is being covered and more importantly what is being excluded.
Generally the premiums payable on an unoccupied home insurance policy are higher than an equivalent conventional house insurance. Premiums can be reduced by the underwriters, who give discounts if certain risk managements are in place by the householder:
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One of the most common requirements of vacant house insurance providers is that the unoccupied property must be checked on a regular basis. Most insurers insist this check to be carried out at least once a week either by the policyholder or an authorised representative. |
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Another great way to protect you empty property is to give it the look of being occupied. You could leave your car parked in the driveway or if you are on friendly terms with the neighbours, you can ask them to park their car in the driveway. |
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This may seem very obvious, but make sure that all external doors are locked, windows are tightly secured and if they are have locks fitted, lock them. |
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If your budget allowing think about getting a burglar alarm installed and or a fire alarm. A working security system is a great deterrent for the opportunist and vandals. Highly recommended if you premises is going to remain unoccupied for a long period. |
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Some insurers will insist on the water supply to be turned off and all systems within the empty house to be drained. This reduces, if not completely eliminates escape of water claims. These type of claims are one of the most common amongst vacant homes and also some of the costliest to rectify the damage caused. |
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The best way to eliminate the need for an unoccupied house insurance policy is by not moving out. If you can avoid moving out before the sale of your home then you do not need this type of cover. However if you do move then you must inform your current insurers to the fact that the property is now vacant. Most insurers will give 30 days of unoccupied cover. Check with your home insurance provider as not all offer this option. |
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For best deals on unoccupied property insurance, shop around and speak with brokers that specialise in these types of risks. |
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