Unoccupied Home Insurance

Standardhome insurance or commercial property insurancewill not cover unoccupied buildings. For this, you will need to upgrade your existing policy or take out unoccupied building insurance.

If you don’t tell your insurer when the property is left unoccupied for an extended period, you risk invalidating your cover. This applies whether you are a homeowner, atenantor asmall business.

This is where unoccupied property insurance cover comes in. It is anon-standard insurance policy that can protect your property while it’s uninhabited.

At Quotezone, we can help you compare unoccupied house insurance policies to find competitive options for your home.

The exact timeframe will vary from provider to provider. But in general, home and property insurers consider a building unoccupied after 30- 60 consecutive days.

This includes situations where the home is being renovated, the occupant is in hospital, or the property is used as a second home or holiday accommodation.

For exact limits, you can check your home insurance policy documents. Once you have exceeded these, it’s time to get in touch with your insurer or take out empty property insurance.

If the property is already insured, you can contact the provider to ask if they can extend your coverage to protect an unoccupied home. This usually comes at an extra cost, as unoccupied homes are a higher risk than occupied ones.

You can compare this with other unoccupied home insurance quotes to make sure you are not missing out on a better deal. When you compare quotes with us, you can tailor your search to the exact coverage you need. This includes the option of temporary unoccupied property insurance.

Always be transparent about how long your home will be empty and the reasons that it is vacant. Otherwise, you run the risk of under-insuring or invalidating your coverage.