Finding empty home insurance can be confusing and take up a lot of your time. This is the last thing you want when you are potentially dealing with building works or probate.
At One Insurance Solution (a trading style of Brightside Insurance Services Ltd), we search our panel of non-standard insurers to provide you a quote based on your individual needs.
With over 15 years experience you can be confident that our team will work collaboratively with you to provide you a quote.
Homes can become unoccupied for a number reasons. Perhaps a family member has passed away and the house has been left to you. With standard insurance, unoccupied limitations can vary by insurer. 30 days is usually the allowance for a home to be empty but some insurers can provide home insurance with 60 days unoccupied cover as standard. Anything over this would generally mean the need for non-standard home insurance.
You can insure an empty home 365 days of the year but with certain restrictions in place. Restrictions will depend on the reasons for the property being empty and the insurance requirements you have.
The very basic level of cover is fire, lighting, earthquake and explosion or FLEE. This would only cover those perils mentioned for buildings and/or contents.
You can then opt to increase the levels of cover from the basic to include cover for subsidence, flood, vandalism, escape of water, theft and others.
Alongside the cover there is usually endorsements applied to the policy. Endorsements are amendments to the standard policy wordings or requirements of the home owner that have to be met for insurance to be valid. For example, inspecting the property once a week and keeping the heating on during the winter. All endorsements will be clearly laid out to you at the point of sale.
If your property is going to be left empty for a prolonged period of time, there are a few steps you can take to help prevent damage during the winter. If you have the lowest level of cover (FLEE), it is best to turn off the main water supply to the home and drain the property of water (pipes, radiators etc). It is then a good idea to make the property as weather proof as possible, turning the electricity off as well as the gas supply.
The alternative to shutting everything down is to maintain a constant temperature at the property. Insurers will have different terms but a normal winter requirement is to have the heating on, maintaining a constant temperature of 15 degrees centigrade within the home. Failure to comply with the insurers requirements could mean the insurance becoming invalid or a costly excess increase.