If you own a house that is going to be unoccupied for more than 60 days in the foreseeable future, you need to look into unoccupied home insurance or empty property insurance direct line.

Why is empty house insurance important? Well, it’s because your normal homeowners insurance policy will not provide coverage in case your house gets damaged during natural disasters or if it gets damaged as a result of some fault or theft. 

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What Is Empty Property Insurance UK?

Unoccupied home insurance, which is sometimes known as empty property insurance in the United Kingdom, is a type of home insurance that offers coverage in case your house stays empty for more than 60 days.

In this type of insurance policy, you will get coverage against any damage that is done by natural disasters such as floods, fires, cyclones and many more. Not only that, but it will also offer coverage on any repair that is caused by faults in the house while you are not inside it. 

What Type Of Coverage Does Unoccupied Home Insurance Offer? 

Here are some of the coverage that is offered by unoccupied home insurance: 

  • Damage caused by storms
  • Damage caused by flood
  • Damage caused by fire 
  • Damage caused by any natural disaster
  • Escape of water and oil
  • Pipe bursts
  • Theft or attempted theft
  • Vandalism 
  • Legal expenses

Please do keep in mind that the coverage you will get in unoccupied insurance varies between insurance policy providers. 

What Is Not Covered By Unoccupied Home Insurance? 

Here are some instances where the insurance company might refuse to give you a payout: 

  • You will not get a payout in case you left your doors and windows open. 
  • Unforced entry is not covered in any unoccupied home insurance policy.
  • You will not get a payout if any incident happened during major works to the home’s structure. 
  • You will not get a payout if you have hired contractors to work on your house while it is unoccupied. The damages that they cause are not covered in this type of insurance policy. 

Who Should Buy Unoccupied Home Insurance? 

If you are in any situation that we listed below, you can buy the unoccupied home insurance. 

  • If the unoccupied house is for sale and you are not living inside it any more
  • If the unoccupied house is not your main place of residence
  • If the unoccupied house is your holiday home
  • If the unoccupied house was given to you 
  • If you are leaving the house fore more than 60 days
  • If you are currently in a medical facility
  • If the building is being renovated and is not safe to live in 

How Much Does Unoccupied Home Insurance Cost? 

Here are some of the factors that are going to be looked at before a cost is decided:

  • The value of your belongings
  • The cost to rebuild your house
  • The location of property 
  • The security features of the your property
  • The amount of money it would cost for property maintenance 
  • Level of coverage you want to get

Important note: If you are living in an area that has very high crime rates, it is likely that you will pay more.