Home insurance for unoccupied property

Homeowners can have a variety of reasons for not always being at home or living in their property, but an unoccupied property can affect the type of coverage you receive.

Read our guide to learn more about Unoccupied Property Insurance and the general features of Non-Standard Home Insurance, or get a quote using the link below.

What is unoccupied home insurance covered for?

Officially, your home should not be left unoccupied for more than 30 days. After 30 days, your home will be “vacant property” which, if you have to make a claim, could void your policy unless it covers that eventuality.

However, most standard home insurance policies state that your property must not be empty for at least 30 days.

Whether you are using your property as a vacation home or is awaiting sale, or for any other reason that could leave it unoccupied for more than 30 days, you may want to consider purchasing a non-standard home insurance policy, which can cover your vacant property.

What is unoccupied home insurance?

Officially, your home should not be left unoccupied for more than 30 days. Some insurance policies may give you a longer period, for example 40 or 60 days. After 30 days, your home will be “vacant property” which, if you have to make a claim, could void your policy unless it covers that eventuality.

However, most standard home insurance policies state that your property must not be empty for at least 30 days.

Whether you are using your property as a vacation home, whether it is pending sale, or for any other reason that could leave it unoccupied for more than 30 days, you may want to consider purchasing non-standard home insurance. This can then cover your unoccupied property.

Why does being unoccupied affect my home insurance?

When your house or apartment is empty for a long time, there is a risk that you are more likely to make a claim.

For example, a house that is not inhabited can become a target for burglars. If there is any damage due to water leakage or fire, it may not be discovered immediately, which will lead to greater damage and higher claim. If the house is locked, there may be more risk of mold or humidity, especially if it is winter and it is not heated.

Unoccupied properties and the effects of COVID-19

You may not be able to visit or stay in your property due to COVID-19 restrictions. Or maybe you have a vacation rental that you decided not to rent this year, due to the complications involved. In any case, your property may be unoccupied longer than usual.

Your house or apartment may be unoccupied if you have had tenants and the property is now empty due to COVID-19. Or they may not be able to return to the premises due to local or foreign restrictions.

Some areas of the UK are still subject to local restrictions meaning people may not be able to return home. Or they may stay or protect themselves with other family members and not live in their usual property. Whether you have an empty property in the UK because of the coronavirus or for other reasons, you should check to see if you are covered by your home insurance.

Will my insurer take the COVID-19 restrictions into account?

In general, insurers have made the decision to relax the strict rules of the 30-day rule, because they are aware of the difficulties caused by the coronavirus pandemic.

Some allow indefinite periods while others have extended your home’s vacancy limit up to 60 days. However, this varies from insurer to insurer, so you should check your policy wording and contact your insurer to see if you are still covered.

You may need to consider whether your home insurance should change from occupied home insurance to unoccupied home insurance in the UK. Your ability to make a claim may be affected if you don’t live or use the property and it is damaged or broken into. This is why having empty home insurance may be the option you need right now.

Do i need empty home insurance?

Your insurer can tell you if you are still covered by home insurance if your house or apartment is unoccupied.

You may be covered, but you need to take extra precautions to keep your home safe in case it is empty for a long time. This may include safety measures such as shutting off the water and electricity, regular checks, and installing a fire or burglar alarm.

What is unoccupied home insurance?

Unoccupied home insurance is a term used to identify one of the many features of non-standard home insurance.

Typically, standard insurance policies do not cover you against certain circumstances, as this can potentially increase their risk. A specific policy, which includes unoccupied property insurance along with a non-standard home insurance policy, will take this into account. An unoccupied house by nature is a non-standard risk, as generally houses are generally occupied.

The added risk of insuring an unoccupied property is that it may be more vulnerable to burglary. But there are also other possible elements of danger that might not otherwise be so important. if someone was at home and looking after the house.

Unconventional home insurance

The knowledge and experience of a non-standard home insurance provider should help them understand your specific home insurance needs better than a regular insurance provider.

As a result, in theory you should get a cheaper home insurance quote than if you had purchased a standard policy.

Non-standard home insurance risks include anything that you don’t consider to be common to a home.

This includes a range of factors such as having a house unoccupied for more than 30 days or if a large part of the property was built with non-standard materials such as wood, glass or metal.

Read our full guide to unconventional home insurance to learn more, or use the link below to start comparing quotes.

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