If your property will be vacant for 30 consecutive days or more, it faces heightened risks. Small issues, like a minor leak, could escalate into major problems without immediate attention. Additionally, homes that appear unattended are more prone to theft, vandalism, and damage from squatters.
Standard home insurance providers often won’t provide cover for unoccupied properties, which is why you need a specialist provider. For properties like holiday homes that are often left vacant, specialised insurance is crucial.
When considering to insure your empty house, numerous variables come into play. Questions such as why the property is vacant, its location, and implemented security measures are vital. These factors impact the required cover and pricing.
We’ll always assess every aspect of your property before providing a quote.
Implementing security measures to safeguard your empty house is strongly recommended. This can encompass alarm systems, as well as extending to connected cameras, wireless sensors for doors and windows, and WIFI plug socket adapters for automating lighting routines.
Such measures are not only effective but can also be implemented at a relatively low cost, offering a practical approach to maintaining the security of your property when unattended.
If you’re planning on renovating or selling your home while it stands empty, securing unoccupied home insurance is crucial to safeguard against the specific risks associated with a vacant property. For homes undergoing renovations, this insurance can be customised to protect against potential damages that might arise throughout the renovation process, ensuring comprehensive coverage.
For properties that are on the market for sale, ensuring you have adequate cover is vital, as these homes can often remain unoccupied for extended periods.
Intelligent Insurance offers flexible policies that can be adjusted to meet the specific needs of your situation, whether you’re renovating or selling your home.
Understanding the coverage limitations and exclusions is essential when selecting unoccupied home insurance. Our policies are designed to provide comprehensive protection for a wide range of risks associated with unoccupied properties. However, like all insurance policies, there are certain limitations and exclusions to be aware of.
These may include damages due to wear and tear, mechanical breakdowns, and certain natural disasters. Specific exclusions can also apply to properties left vacant for more extended periods without periodic inspection or certain security measures in place.
Typically, insurance premiums for empty houses are higher than those for standard home insurance due to the increased risks associated with properties that are left vacant.
However, we’re committed to offering competitive premiums by assessing each property on its unique circumstances. By understanding and mitigating risks with appropriate security measures and maintenance, we aim to provide the most cost-effective insurance options for our clients.
Intelligent Insurance approaches unoccupied homes with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Whether you’re gearing up for a period working abroad, a very long holiday or even arranging long term care for a loved one, arranging home insurance for your unoccupied property is simple with Intelligent Insurance. Using a specialist insurer who understands your circumstances can save a lot of time, money and aggravation.
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Get an online quote for your unoccupied property, tailored to your needs
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*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
“…The customer service was great. I used the online chat and then received a call from the person I had spoken to earlier to check I’d got all the information I needed. Daniel was professional, patient and knowledgeable. The best value unoccupied house insurance I could find….”
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