Have a property that is unoccupied?
If you own a property that is unoccupied it is important you have the correct type of insurance cover as most home insurance policies will not provide cover if the home has been unoccupied for a certain length of time.
Unoccupied home insurance covers you for those times where your home will be unoccupied which could be short term or permanent, we work with a panel of insurers that offer bespoke policies to help you get the right level of protection.
There may be many reasons why your home has become unoccupied. It could be you’re renting the property out and the house is currently vacant. You could be renovating it, rebuilding it, trying to sell the house after a death, or just selling the property whilst moving into your recent purchase.
As a broker, Wesleyan Financial Services search a panel of leading unoccupied home insurance providers for you. We find you the best policy tailored to meet your needs. We offer an advised based service where we talk you through various options to assist you select the best insurance for you.
What does unoccupied home insurance cover?
If you're taking out unoccupied home insurance for when your home is empty, you can find a policy that covers:
- Storm, flood, or fire damage: if any damage is caused to your home as a result of a storm, flood, or fire while you're away.
- Escape of water or oil: if a pipe bursts or there's a leakage of oil or water somewhere in the house and it causes damage while the home is unoccupied.
- Theft and/or attempted theft: if someone successfully breaks in or attempts to break into your home and steals your belongings.
- Vandalism: if criminal damage occurs to your home in your absence.
- Public liability insurance: if damage is caused by a property that you are responsible for, for example, if a roof tile falls and breaks a car window.
What's not covered by unoccupied home insurance?
Unoccupied home insurance can be helpful, but you might find that your insurer will reject your claim due to:
- Unforced entry: leaving your doors and windows unlocked or open is generally a sure-fire way to void a home insurance policy, because thieves and squatters could access your home without forcing entry.
- Contractors: if you've hired contractors to work on your home while it's unoccupied, you might not be covered for any damage they cause. Contractors should have their own insurance which should cover the damage.
It’s important to remember that insurance policies can vary between our providers, so they won’t all provide the same cover. Reading the policy documents carefully before buying can help you choose the right deal with the level of coverage you require.
Before you apply online for Home Insurance for properties that have been underpinned, we recommend that you read the following documents:
- General Terms of Business
- A list of companies and products we offer
Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary. Risk must be acceptable to underwriters at normal terms.