Why might a property be unoccupied?
A property could be empty for a variety of reasons, such as:
- The owner has passed away
- The house is a holiday home
- The house is undergoing renovations
- The property is rented and there is a gap between tenants
- The house is sold, and the new owner is yet to move in
- The house is for sale and the owners have already moved into a new property
- The owner is going on an extended holiday or is travelling
Where an owner has passed away and the property is subject to probate, it is usually the responsibility of the executors to purchase unoccupied house insurance. It’s worth checking what your responsibilities are with your solicitor.
In some cases, empty house insurance may not be the best option for you. Holiday homes used mostly in summer can be empty for long periods in winter, but holiday home insurance can protect your sanctuary all year round.
In the case of rented properties where there may be large gaps between tenants, landlord insurance may be better suited to your needs.
And, if your property is empty because it is being renovated, it may be worth considering renovation insurance. This policy can cover occupied and unoccupied homes even if the work has already started.