Choose UK Sure for your Unoccupied Property Insurance

 

 

If you own a property, there may be times when it stands empty for a number of consecutive days, which could invalidate or severely restrict the coverage on your home insurance or landlord's insurance. 

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​In cases like this, you may typically need unoccupied property insurance (also known as empty property cover or unoccupied house insurance) rather than standard home insurance.

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This will ensure that your home is still protected against unexpected events that cause loss or damage, such as floods, fire, theft, etc as insurers see this as a greater risk of leaving your property vacant.

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As a specialist insurance broker, we’re able to secure cover for even the most unusual homes. And we do so at a great rate where other companies would struggle to even provide a quote.

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What does unoccupied home insurance covers?

 

This varies from policy to policy, with some policies being very restricted and offering just Fire cover. However, we also provide comprehensive policies, which can include Escape of Water, Theft, Vandalism, and Malicious Damage.

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What is the difference between unoccupied property, empty property, and vacant property?

While you may hear these different terms for an empty property, there is no difference. They are all the same.

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When is a property classed as empty?

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It is important to note that a property can be classed as empty, even if it is furnished. 

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There are various circumstances in which a property can become unoccupied or empty, and you need unoccupied property insurance, such as:

- You go on an extended holiday or business trip, and your home is left empty;

- You are a landlord with a let property that is experiencing a void;

- The property is undergoing significant renovation, alteration, or extension;

- You have a probate policy that is empty while the paperwork gets sorted;

- Where you have moved to a new home, but your old house is still awaiting sale.

 

Many people get a shock when they find out their insurance becomes invalid due to their property standing empty.

 

 

 

How long must a property be empty before the insurance becomes invalid or restricted?

 

The majority of property insurers are happy to cover an unoccupied property for a short period (typically up to 30-45 consecutive days depending on the insurer) with no alteration to the policy.

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As part of your insurance contract with your provider, however, you may find you are obliged to heat the property and/or have regular, logged checks made by an authorized person in your absence. This log of checks may be requested if you make a claim.

Once this period has been exceeded, insurers often dramatically reduce coverage or withdraw it altogether. There are a few insurers that will continue with full cover, but again these are subject to terms and conditions.

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That is why empty property cover exists and why, if you have a vacant property, you may wish to consider a specialist unoccupied insurance policy.

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We can help you access the most cost-effective and appropriate cover for your needs, providing home insurance for the unoccupied property as well as landlords insurance for property that is awaiting an occupant.

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Do I need to take an anual policy on an empty property?

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No, at UK Sure Services Ltd we understand that the need for flexible empty house insurance is essential. So, we have many policies that offer different policy terms, including 3 months, 6 months, and 9 months.

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We also offer various monthly direct debit options, too, for your convenience.

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