Why do you need Unoccupied Property Insurance?

When you are away from your property for more than 30 days, there is likely to be a clause in your regular home insurance that states you won’t be covered for any damages. So if something happens to your property in your absence like a storm, flood, fire or theft, you will not be able to claim from your insurance policy effectively, costing you thousands of pounds worth of damages. For instance, the average claim for a household robbery in the UK is £1,504 so having Unoccupied Property Insurance is essential.

When would you need Unoccupied Home Insurance?

There are several reasons why you may be away from your home for an extended period of time including:

An extended holiday or travelling
The property is awaiting sale
The property is being refurbished
Hospital care
Long term care
To care for a loved one
Work placement

More Information

  • Unoccupied House Insurance Comparison from Call Wiser

    At Call Wiser, we work with a panel of leading home insurers in the UK to find the best deal for you. If you compare Unoccupied House Insurance, you are able to receive a number of competitive quotes all in one place and you can find a policy to suit your needs.

    Simply call us today for a free and no obligation quote. Our insurance experts are based in Andover, Hampshire and they are ready to take your call. We require a few basic details about your home, how long you plan to leave it unoccupied and an estimate of the contents you wish to cover.

    Typically you can take out insurance for unoccupied property for 3, 6 or 9 months from UK insurers with the option to extend at any time. However, insurers probably won’t let you use this Temporary Insurance as a long-term solution, instead preferring you to get a regular annual home insurance policy.

    When applying for a policy, you typically want to get Contents Insurance in the event of any valuable items being stolen or damaged due to building work, flood, fire or otherwise. Insurers will usually allow you to cover up to £100,000 worth contents such as electronics, gadgets and jewellery. The best thing to do is to calculate the value of all your items and select your cover accordingly.

    Even though you are not in your home, you also need to consider Buildings Insurance to cover any structural damage to the property in your absence. Insurers can provide up to and over £1 million worth of cover, depending on the size of the home, in the event of any damages caused by vandals, squatters or contractors working on the property.

    Property Owners Liability can also be added to your policy to cover any damages that your building may cause to other third parties, protecting you against a burst pipe damaging a neighbour’s property

  • How much does Unoccupied Home Insurance cost?

    Unoccupied Home Insurance is typically quite expensive and sometimes works out to be more per month than a regular home insurance policy. This is because insurers consider there to be greater risks when the property is empty. Thieves and squatters are more likely to target a house that is unoccupied, and this can put your contents at risk. Furthermore, if there are any damages as a result of a storm or flood, there is the potential for this to impact the property more if it goes unnoticed for some time.

    The price you pay for Unoccupied Home Insurance will also depend largely on the value and size of your property. Naturally the bigger the estate, the more valuables it may have and be attractive to thieves, thereby pushing up your premium.

    Insurers will also consider the level of security in your home when providing a quote. Those homes with a good level of security (secure windows, gates, fences and alarms) are less likely to be targeted by thieves and this will reduce the cost of your insurance policy.

    If building work is in progress, this may increase the risk of potential damages to walls, floors, ceilings and other third parties, so this will increase the price of your cover.

Requirements for Unoccupied House Insurance

Some insurers will have requirements in place for homeowners to be eligible for Unoccupied House Insurance.

This includes making sure the house is fully secure and completely locked whilst it remains unoccupied to prevent thieves.

Another method to discourage criminals is to put the house lights on a timer to make it seem like the house is occupied. You can also ask the neighbour to park in the driveway every other night to make the house seem busy.

Some policies require a family member, friend or neighbour to check the house regularly for any damages whilst the owner is away because this can limit long term damage.

To keep your contents safe, insurers encourage policyholders to lock their valuables away or remove them from the property whilst vacating the premises.

What is not included in Empty Property Insurance

You must read the small print of your policy because there are certain things not automatically included.

For instance, Insurers will generally not pay out claims for robberies as a result of unforced entry, when the burglar is able to access the property without force. This is why it is important to lock all windows, doors and gates secure upon exit.

If you are having refurbishments or renovations done to your house whilst you are away, some policies won’t include cover for any damages caused by contractors – you may have to ask your insurer to add this.

Also, Unoccupied Home Insurance does not include a ‘single items content limit.’ This means that you cannot automatically claim for one expensive item in the event of a robbery or natural disaster, you’ll need to have a Contents Insurance policy in place.

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