U is for Unoccupied Property Insurance
Finding Unoccupied Property Insurance can be a difficult process, as not many insurers are keen on covering empty properties for long periods of time.
A lot of people need to insure their empty houses, for example if its up for sale or having maintenance done.
There are Unoccupied Property Insurance policies out there for your specific needs.
You are able to buy 3, 6 or 12 month polices for your empty property, and there are different levels of cover available to suit your needs and budget.
What is covered by Unoccupied Property Insurance
Unoccupied Property Insurance is typically broken down into the following areas:
- Buildings Insurance
- Contents Insurance
- Property Owners Liability
- Legal Expenses
What to look out for with Unoccupied Property Insurance
When arranging your Unoccupied Property Insurance, it is important you have the correct cover for your needs.
For example, some polices will only cover you for damages by fire, lightening, earthquake and explosion. This means you won’t be covered for escape of water by a damaged pipe, which is one of the most common cause of damage in an empty property.
Other things to look out for are the terms and conditions of the policy. For example, you may be required to drain water systems, maintain a minimum temperature or even board up letter boxes at the property.
Some of these requirements might be impractical, so it is important to work with a specialist Property Insurance Broker to help negotiate the best possible terms for you.
Contact us for a Unoccupied Property Insurance quote
We are often arranging Unoccupied buildings Insurance for various property types such as:
Contact us today for a no obligation quote
”Dan at Evans Insurance Brokers arranged Unoccupied Property Insurance for me urgently – Direct Line would no longer insure my property as the tenant had moved out. He was a life saver! I was really worried and had 2 days to sort it but Dan’s the man! He sorted it all out for me and took the stress away.” – Catherin Boyd, Wigan .