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Unoccupied Residential Property Insurance

Finding a suitable insurance policy to cover an unoccupied property can be very difficult as there are many different reasons why a home could be unoccupied, for example if it is undergoing renovation or refurbishment, awaiting probate, awaiting sale,awaiting occupation or left vacant while the owner is at a second property, abroad, hospitalised or taken into care.

Many home insurers offer standard cover and will not accept insurance cover on an unoccupied property, even for a temporary period of time. We have a panel of insurers offering specialist insurance policies designed specifically for this occurrence. Many people do not understand that you must inform your building insurer if your home will be unoccupied for any period of time; most policies will offer a limit of 30 consecutive days for reasons such as holidays but any longer could have serious implications. However we know the implications and we know which insurers will offer an extended period of non occupancy and which insurers will not. We also know where to place your insurance saving you the time in searching for cover and explaining yourself over and over again.

At Herald Insurance we deal with insurers who offer specialist policies for unoccupied homes so you can be sure your property is adequately insured. We can offer annual or short-term policies for 3, 6 or 9 months at competitive premiums with cover that can include:

  • Fire, Explosion, Lightning, Earthquake
  • Smoke damage
  • Vandalism
  • Storm and flood
  • Theft and attempted theft
  • Escape of water
  • Subsidence
  • Contents cover
  • Theft from garages and outbuildings
  • Property owners liability
  • Cover whilst renovations are on-going including decorating, installing new plumbing, central heating, alterations to non-load-bearing walls, extensions and re-wiring

If the worst does happen and you need to make a claim you can feel assured that your claim will be dealt with quickly and efficiently by a dedicated member of the insurer’s claims team and they will take you through the claim step by step. You may also have the option of using your own trusted contractors to carry out any repair work rather than using the insurers approved repairers.

So call Herald today for a quick and simple quote on your unoccupied home as we have many years of experience and will find you the right insurance as a competitive premium.