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What is Unoccupied Home Insurance?

Unoccupied home insurance provides cover for all types of empty property that are left unoccupied for more than 30 days. We can offer 3, 6 and 12-month policies for a variety of circumstances and include insurance coverage for your contents. 

When should you consider unoccupied home insurance?

  • You are selling your home
  • Your property is undergoing renovation
  • It is a Holiday Home or Second Home and you will visit on rare occasions
  • It is a let property and their is a gap in tenancy
  • You are inheriting the home and it is going through probate
  • You are going on that dream holiday and there’s no one available to reside at your property
  • Substantial gap between exchange and completion of house selling contracts

  • Bespoke short term policies with the option for 3, 6 and 12-month policies (although 12 month is post popular)
  • Up to £10,000 of general contents included at no extra cost
  • Up to £1,000,000 of buildings cover included as standard with some of our products
  • Property Owners Liability of up to £2,000,0000 as standard
  • Choose from three levels of cover from F.L.E.A Only to Full Perils

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Why do you need unoccupied home insurance?

An empty home is at higher risk of theft, vandalism and water damage due to burst pipes. A standard insurer will, therefore, restrict cover when a home is unoccupied for more than 30 days a year. That is why you need an unoccupied policy which can provide flexible terms with specialist levels of cover.