Vacant Home Insurance
Compare and buy unoccupied property insurance for all type of vacant homes. Most direct home insurance providers will not normally offer any type of cover for empty properties but we specialise in all type of residential vacant property insurance.
Unoccupied building insurance
Contents cover within vacant homes
Property owners public liability cover
Choice of empty house cover levels
Our online quote system provides an instant quotation on types of residential vacant house with policy options available on short term deals on either 3 month, 6 month, 9 month or 12 month cover. We do NOT offer a one month short period empty property insurance.
Option of 3 levels of vacant home insurance available for most empty property owners, subject to underwriting criteria:
We provide unoccupied property insurance policies for most residential vacant houses and also our commercial department can cater for unoccupied business premises such as empty shop insurance cover. All types of empty commercial buildings can be cover under our vacant commercial building insurance scheme.
How to Manage the Risks to an Vacant Property
Please note that most insurers only offer a very basic level of cover on vacant properties known as FLEEA cover. This essentially covers the following perils: Fire, Lightning, Earthquake, Explosion and Aircraft. At Active you also have the option to obtain full cover for your vacant building.
When you own a vacant property, it is vital to consider the following points. These are often over-looked, but the consequences can be catastrophic if an insurer finds that you have not fulfilled their requirements in the event of a claim:
Ensure that the vacabt home is securely locked – this seems obvious but an unlocked door or a window open to “circulate air” is an easy target for vandals, squatters and the like.
Arrange for the vacant property to be visited at least once every seven days either by youself or an appointed representative.
Make the empty home look like it is inhabited. Small investments such as light timer switches, the grass mown and any post cleared really does make a difference.
Turn off the water supply at the mains and drain the system. Escape of water damage claims are the most common cause of damage and this cover is often excluded. Check your unoccupied property insurance policy wording but we recommend the water drained eliminating the risk completely.
Remove any valuable items, such as gold, silver and paintings from your unoccupied building. These are often excluded anyway, but to the inquisitive eye, even the damage caused trying to gain access to these items can be easily avoided.
Advise your insurers of any change in occupancy – if your property goes from being unoccupied, to Asylum Seekers, for instance, your insurers are still likely to repudiate a claim if they have not been informed.
Advise your insurers if you are likely to commence any building/refurbishment works, particularly if there is any structural work. Insurers normally exclude damage by contractors, so it is important to make sure your contractors have proper cover in place. We can advise on this.
And finally, please remember to “act as if there were no insurance in place”. It is a principle of insurance that you act “with reasonable care”.
Full cover on empty home insurance policies
In most circumstances we are able to offer full perils cover on most empty property insurance quotes. For an instant quote please complete our online empty house insurance quote form or alternatively call us and speak with one of our vacant property insurance advisers.
Many homeowners that own an unoccupied house find it very difficult to get unoccupied property insurance through conventional channels such as direct household insurers. We provide instant online quotes for all types of unoccupied residential premises. The unoccupied home insurance policy can be tailored so that both buildings and contents can be covered. As well as providing annual unoccupied insurance cover for empty homes our system can also provide cover on short periods ranging from a 3 month policy to 9 months.
Unoccupied Home Insurance Buildings and Contents Policy
There is a whole raft of reasons as to why a home may be unoccupied. The most common reason the property is unoccupied because it is for sale, other reasons include the house is in probate and you are the executor of the will. Other reasons for a home being unoccupied include; the property is a new purchase that requires modernization before you move into it or you are taking an extended leave, holiday or as part of your job you are moving away for sometime and your existing home insurance company cannot provide cover whilst the property is unoccupied.
Many conventional house insurance companies will not provide cover if your property is unoccupied for more than thirty consecutive days but at QuoteUS we can provide temporary short term or even an annual policy for unoccupied home insurance with 3 different levels of cover options available.
Compare Online Unoccupied Property Insurance Cover
Using our secure online unoccupied house insurance system a quote can be done in minutes and cover can be purchased instantly. If you prefer to obtain a quotation by telephone for any residential unoccupied property insurance please call us on 0844 846 6401 and speak to one of our experienced UK advisors.