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Unoccupied Residential Property Insurance

Get expert information about Unoccupied Residential Property Insurance from the insurance team at Property Insurance Centre. Get your questions answered about Unoccupied Residential Property Insurance.

11 07, 2022

Unoccupied residential property insurance common pitfalls

By |2023-09-04T08:27:29+00:00July 11th, 2022|Unoccupied Residential Property Insurance|0 Comments

Unoccupied residential property insurance common pitfalls Common pitfalls with unoccupied residential property insurance would be normally around a customer not fulfilling the stated conditions. So from a customer perspective, they are most likely unaware that they are not fulfilling the terms of their unoccupied residential property insurance policy conditions. So, whenever you have an occupied property and unoccupied property, insurance will apply certain conditions on it. You must seal the letterbox You must drain down the water tanks Turn off electricity And most importantly, you must keep a log of every time you visit the property, and you must do so normally every 14 days, maybe 21 days at the most. Get a Quote Insurance under one roof We are specialists in many types of insurance The [...]

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29 10, 2019

Do I need Unoccupied Property Insurance?

By |2023-09-04T08:30:09+00:00October 29th, 2019|insurance, Landlord Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Do I need Unoccupied Property Insurance?

Do I need Unoccupied Property Insurance? Who needs unoccupied property insurance and why would I need it? Do you travel for business and are away for long periods of time?  Have you a building which you haven’t managed to let and it is sitting vacant?  Has your tenant just moved out of your flat or house?  Has your relative become in need of nursing or residential care and isn’t likely to be home for some time? There are many reasons a property can become unoccupied – but if you answered ‘yes’ to any of the questions above, you need to take a look at your current insurance policy and see if you need to replace it or add unoccupied property insurance to it. What is unoccupied property insurance? Insurance companies think that occupied properties are less risky.  Someone is there most days checking that nothing bad is happening, like [...]

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29 06, 2019

Insuring an unoccupied house

By |2022-05-16T08:35:46+00:00June 29th, 2019|insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Insuring an unoccupied house

Insuring an unoccupied house Unoccupied House Insurance is different! Some people think that no insurance is required for an unoccupied house that they may rent out or they take out home insurance cover and don’t consider whether there home is actually regarded as occupied or not. Well it should be considered that unoccupied properties are regarded as 'high risk' by insurers. That is why they tend to charge higher premiums to keep them covered. It is also why they may add in extra conditions to keep the property covered. By adding extra conditions, what the insurance companies are trying to do, is reduce that extra risk. It is therefore essential that you have the right cover in place. Top Tip - If you have a policy in place already, tell your insurers or insurance broker that the property is now empty and your existing policy should be able to [...]

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29 06, 2019

What Types of Property Insurance Are Available?

By |2022-05-16T09:03:26+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on What Types of Property Insurance Are Available?

What Types of Property Insurance Are Available? Although property insurance in the UK is not mandatory, it is a requirement of interested parties such as banks or anyone who lends you money secured on your property.  Also, if you rent out your commercial or residential property your tenant will assume that you have adequate insurance cover in place for the buildings. There are lots of different types of property insurance available, everything from common home insurance policies to bespoke portfolio packages for landlords with a variety of commercial buildings. Get a Quote Insurance under one roof We are specialists in many types of insurance At Property Insurance Centre we specialise in commercial insurance policies but do cater for home insurance policies through our offices in Northern Ireland [...]

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29 06, 2019

Property Insurance Specialists

By |2022-05-31T11:04:38+00:00June 29th, 2019|Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Property Insurance Specialists

Property Insurance Specialists What type of Property Insurance do I need? Property Insurance is an insurance required for everyone who owns a building whether it is your home or business and will offer cover for the cost of rebuilding if damaged by an insured peril such as Fire or Storm.  In addition property insurance policies will offer public liability insurance to protect you from compensation claims should anyone be injured on your premises. Can I claim my property insurance against my tax? You can claim property insurance against your income tax as it is an expense for your business.  Always make sure that you get a receipt when it comes to making a claim against your income tax. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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29 06, 2019

Empty House Insurance

By |2022-05-31T11:10:20+00:00June 29th, 2019|insurance, Landlord Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Empty House Insurance

Empty House Insurance Property Insurance Centre are one of the leading insurance providers for Unoccupied House Insurance in the UK & Northern Ireland.  Standard home insurance policies only cover your home if it is empty for no more than 30 consecutive days at a time. Cover can provide: Property Owners Liability Fire Cover Option to increase to wider perils What does unoccupied mean for home insurance? Your home is considered empty or unoccupied if your property is empty for more than 30 days (a few insurance companies will go to 60 days) in which case your existing home insurance will reduce the types of cover that are offered.  There are lots of reasons that your home can become unoccupied, the most common is during renovations and it is important that you notify your insurance provider on what refurbishments are happening and an estimate on the cost of the works.  [...]

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28 06, 2019

Unoccupied Property Insurance

By |2022-05-31T11:13:49+00:00June 28th, 2019|insurance, Landlord Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Unoccupied Property Insurance

Unoccupied Property Insurance As one of the leading commercial and residential insurance brokers in the UK we are pleased to offer some of the best cover and rates on Unoccupied Property Insurance. We are one of the few companies to offer extended perils on cover of up to 90 days on inoccupancy (only if your intention is to let the property) which is per perfect for the many reasons that your home is unoccupied such as: Builders are in your home carrying out renovations or refurbishment and it is uninhabitable during the works. Long holiday (over 30 days for standard home insurance policies). Working abroad. Admitted to hospital for a long period or respite care. Admitted to a nursing home for a longer period. Away from your home because you work for the Army or other Military body. In between tenants if you let your home out. Get a [...]

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28 06, 2019

When Do I need Unoccupied Commercial Property Insurance

By |2022-05-31T11:24:23+00:00June 28th, 2019|insurance, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on When Do I need Unoccupied Commercial Property Insurance

When Do I need Unoccupied Commercial Property Insurance When Do I need Unoccupied Commercial Property Insurance? It is required by Commercial Property Owners in which the previous tenant has moved out or you are selling or have a vacant commercial premises.  It is standard that you will get standard peril cover (Fire, Lightening, Earthquake and Aircraft). In addition to FLEA cover you are also covered for public or 3rd party liability giving you peace of mind and confidence that you are protected against injury or property damage claims. With unoccupied home insurance your current insurance provider will not offer the same terms of cover and protection if your premises are empty and you must always notify your insurance provider if your home or business becomes empty. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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28 06, 2019

Why Do I need Unoccupied Residential Insurance?

By |2020-05-17T08:05:28+00:00June 28th, 2019|insurance, Uncategorized, Unoccupied Residential Property Insurance|Comments Off on Why Do I need Unoccupied Residential Insurance?

Why Do I need Unoccupied Residential Insurance? Since 1976 Property Insurance Centre have been at the forefront of providing great levels of cover and rates on Unoccupied Residential or Empty Home Insurance. Typically standard home insurance policies only give you protection if your home is empty for no more than 30 days at any one specific time.  We are pleased to be one of the few that offer Unoccupied Residential Insurance for periods of cover such as 3, 6, 9 or 12 months. Some insurance companies will have conditions such as periodic inspections and written records of these visits to be kept.  For longer periods of unoccupancy you may have to turn off water at the stop cock or keep the property at a certain temperature to try and prevent the pipes from freezing and water damage occurring. Get a Quote Insurance [...]

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28 06, 2019

Unoccupied Home Insurance Specialists

By |2020-05-17T08:30:10+00:00June 28th, 2019|insurance, Uncategorized, Unoccupied Residential Property Insurance|Comments Off on Unoccupied Home Insurance Specialists

Unoccupied Home Insurance Specialists Unoccupied Home Insurance Specialists – Property Insurance Centre Since 1976 Property Insurance Centre have been at the forefront of offering independent searching of a wide range of insurance providers in order to provide their customers with the best prices and cover available on Unoccupied Home Insurance. Most home insurance policies only offer unoccupied cover for properties up to 30 days and it is vital that you let you know your current insurance provider if your home is going to be unoccupied for longer than this period. There are many reasons why your property is going to be unoccupied such as selling your home, rental property is in between tenants, house renovations, extended holidays, working away from home, you have been taken into hospital for a long stay or admitted to a care home for extended respite. Get a Quote [...]

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28 06, 2019

Unoccupied Residential Insurance London and beyond!

By |2020-05-17T09:00:32+00:00June 28th, 2019|insurance, Uncategorized, Unoccupied Residential Property Insurance|Comments Off on Unoccupied Residential Insurance London and beyond!

Unoccupied Residential Insurance London and beyond! Since 1976 Property Insurance Centre have been at the forefront of providing Commercial & Residential Insurance around the UK. With access to the main insurance providers and thousands of customers around London and the UK we will be able to give you the best cover and premiums around! Owning an unoccupied residential property presents different challenges with regards to maintenance and its insurance. Not all insurers are comfortable with insuring an empty house, hence why their insurance premiums can often be more than the average person is willing to pay. Some insurers however, specialise in unoccupied residential property insurance & property insurance centre have access to these specialist insurers within their panel of insurance providers. Cover for empty properties is often limited to Fire, Lightning, earthquake & Aircraft cover with most insurers. Property Insurance Centre can offer specialist policies where full cover can be [...]

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27 06, 2019

Increased Peril Cover on Unoccupied Residential Insurance for Mr Crawford

By |2021-03-10T11:32:27+00:00June 27th, 2019|insurance, Uncategorized, Unoccupied Residential Property Insurance|Comments Off on Increased Peril Cover on Unoccupied Residential Insurance for Mr Crawford

Increased Peril Cover on Unoccupied Residential Insurance for Mr Crawford We were delighted to offer Mr Crawford a gold package of cover for his unoccupied residential property insurance policy which entitles him to increased peril cover for only £220.63. 10% discount was applied for an online form completed and Mr Crawford had his policy documents emailed to him. Benefits of our Cover: Flexible - it can changed to an occupied policy with no need to cancel & set up another policy. Inexpensive - Once occupied Mr Crawford will receive a pro-rata return premium. Get a Quote Insurance under one roof We are specialists in many types of insurance Our Gold package on unoccupied residential insurance can cover the following with regards to the buildings: Fire Lightning Explosion [...]

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27 06, 2019

Mr Raven saves money on his Unoccupied Residential Insurance

By |2021-03-10T12:23:25+00:00June 27th, 2019|Case Studies, insurance, Unoccupied Residential Property Insurance|Comments Off on Mr Raven saves money on his Unoccupied Residential Insurance

Mr Raven saves money on his Unoccupied Residential Insurance Mr Raven saves money on his Unoccupied Residential Property Insurance Property Insurance Centre were pleased to offer a fantastic premium for his empty property of £150.32 which he was delighted with! His property became empty when the tenant left last month and his existing insurer increased the premium significantly until his renewal date came up due to the increased risk.  Mr Raven’s renewal premium with his previous company then had an excessive premium for the year. The property is now on the market and Property Insurance Centre were able to beat the existing offer by over 50% and offer Mr Raven a pro-rata return once the property is sold. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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14 09, 2018

Increased Peril Cover on Unoccupied Residential Insurance for Mr Crawford

By |2020-05-21T15:24:42+00:00September 14th, 2018|Homepage Blog, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

We were delighted to offer Mr Crawford a gold package of cover for his unoccupied residential building insurance policy which entitles him to increased peril cover for only £220.63. Our Gold package on unoccupied residential insurance covers the following with regards to the buildings: Fire Lightning Explosion Earthquake Smoke Storm Flood Weight of Snow Escape of water from any interior fixed heating or domestic water installation, washing machine, dishwasher, refrigerator, or freezer Escape of oil from any interior fixed heating or domestic water installation, washing machine, dishwasher, refrigerator, or freezer Freezing or forcible or violent bursting to any fixed heating or domestic water installation at the Residence. Theft or attempted theft involving forcible and violent entry or exit Riot, strike, labour or political distribution or civil commotion Malicious persons Subsidence or heave of the site upon which the buildings stand or landslip Collision involving aircraft, aerial devices or anything dropped [...]

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9 07, 2016

Why should I buy Insurance for an Unoccupied Property?

By |2021-01-15T11:36:41+00:00July 9th, 2016|Homepage Blog, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

Why should I buy Insurance for an Unoccupied Property? This may seem like a no brainer , but many people think that an unoccupied property attracts less risk than an unoccupied one and that insuring this type of property is a ’ waste of money’. This is most definitetly not the case and if insurance is needed , it is nowhere near as important than that for an unoccupied property. The evidence shows that these category of property are more likely to face larger claims than any other type and for in greater frequency. They are often a magnetic for anti social behaviour and the effects thereoff. In most cases cover will be restricted to Fire, Lightning , Explosion & Aircraft (FLEA) and property owners liability. In the case of a fire which will not be discovered early this cover is crucial in putting the property back to a [...]

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8 04, 2015

Winter weather – What should you do?

By |2021-01-15T13:41:07+00:00April 8th, 2015|Homepage Blog, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

Escape of Water When temperatures start to fall, there are a few simple precautions that can be taken to ensure the continued well-being of your home, tenanted property or any other property that you own. One of the largest dangers to your home in periods of plummeting temperatures is that of burst water pipes. This happens when the water freezes within the pipe, expands thus damaging it, causing an escape when the water thaws. You should take the following steps to ensure that your property and its contents are not seriously damaged due to an escape of water: Ensure that your tanks and water tanks are well lagged. Unlagged pipes are far more likely to freeze in sub-zero temperatures. Insulation materials and lagging are relatively inexpensive and will frequently cost less than the policy excess charged by the insurer in the event of a claim. If the property is [...]

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8 04, 2015

Know your obligations when insuring your empty property

By |2021-01-15T13:47:21+00:00April 8th, 2015|Landlord Insurance, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

Know your obligations when insuring your empty property There could be any number of reasons why you have an empty property: you are a landlord who has just bought a new investment property and you are waiting for tenants; you are a landlord or homeowner who is carrying out extensive renovations; you are an owner-occupier whose home will be uninhabited for a period of typically more than 30-45 consecutive days, while you are on an extended holiday, working abroad or another reason; you have inherited a probate property or are going through a divorce and waiting for the marital home to be sold… Whatever the reason why your commercial or residential property is empty, it is important that you: understand the need for specialist unoccupied property insurance in order to protect your investment; are aware of – and adhere to – any obligations under the policy cover. Get a Quote [...]

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