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Whether you’re a landlord waiting for new tenants or you’re finally heading on the dream sabbatical trip, you’ll need home insurance for your unoccupied home.
At One Sure, we understand that it can be daunting when your property is unoccupied and you’re not there to manage any issues that may arise. With our guidance on the cover, we can help you to choose the home insurance policy for your vacant property to give you peace of mind.
Unoccupied home insurance is specialist cover aimed at properties that will not be lived in during a specified period – usually more than thirty or sixty days.
Home insurance for unoccupied properties contains the usual hallmarks of a standard home insurance policy, such as cover for structural damage to the building and contents cover.
If your home will be empty outside the timeframe specified on your schedule, you will need home insurance for unoccupied properties.
You need unoccupied home insurance if:
This insurance provides protection and coverage for a range of risks that may arise during the period when the property is vacant.
The specific coverage may vary depending on the insurance provider and policy, but typically, unoccupied home insurance covers the following:
Standard home insurance policies usually specify that you or your tenant may risk being unable to claim if you leave the property unoccupied for more than thirty to sixty days.
With insurance for unoccupied properties, the length of time that your property can be vacant really varies from insurer to insurer. Once you’ve chosen your coverage and policy, the period of time you’re covered for will be in your schedule.
How long your home can be covered while vacant can also depend on the reason for needing unoccupied home insurance.
For example, if you are leaving your home for an extended holiday, then you will have in mind the exact period of time you’ll be gone for. Yet landlords who need vacant property insurance while waiting for their next tenant may not know exactly how long their home will be empty but might need a short-term policy.
As a rule of thumb, we generally advise that if your home will be vacant for 30 to 60 days or more, this specialist home insurance policy would benefit you more should the worst happen.
Here are just some of the reasons why you should get a quote with us.
As one of the UK's leading insurance brokers, we specialise in home insurance policies and will find you the coverage you need.
Renewals are always simple with us. We’ll compare the policies you need and find the most up-to-date offers to get you the best quote on the market.
We strive to find quality insurance at low prices. However, if you find cheaper quotes in 48 hours? It’s money-back guaranteed.
Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*
*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.
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