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 a burst pipe or a broken window.  They assume if a building is in use it is generally secure, warm and maintained – so there is less likelihood of something going wrong.  Unoccupied buildings on the other hand are considered more likely to become vandalised.  If something goes wrong it may take longer for this to be discovered, which may make the damage worse.  Insurance companies therefore ask you to take out additional cover or a separate policy if you are leaving your property unoccupied.

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Do I need Unoccupied Property Insurance

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Would my current policy not still work?

Many people don’t even think about how long their building is left unoccupied and they, therefore, don’t realise that most household and landlord insurance policies have a clause stating how long the property can be left unoccupied before the policy becomes invalid.  This is often 30 days – so that six week trip around the world or a two-month stay in hospital can be enough to make your household insurance policy lapse.

So what should I do if I know I will be leaving my home for a time?

The first thing to do is to check the small print in your current policy.  It should give you clear information on any exclusions to your cover if your premises are empty and it should also say how long you can leave your property empty.  If you know you are going to exceed this limit, then contact your insurance provider and chat to them about whether they offer extended cover while your property is empty.  Don’t leave it too late – you don’t want to be caught without cover!

Where do I buy Unoccupied Property Insurance from? 

At property insurance centre we have access to over 40 of the leading insurance underwriters and due to specialising in this type of insurance, we have access to rates that our competitors do not.  Call us today on 0800 085 3761 for a quote within 5 minutes.

Or you can try our online Insurance Quote Beater.

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Residential Landlord

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Why choose the Property Insurance Centre

Independent advice by approachable staff online or by phone

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Specialists in Commercial & Residential Insurance

We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.

Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.

Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.

We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.

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