Unoccupied Home Insurance: Protecting Your Property When You’re Not There

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Leaving your home unoccupied for an extended period of time can be a worryingly risky move. Whether you’re going on vacation, traveling for work or simply spending time at your second property, your home can be left exposed to a range of hazards, including theft, fire, vandalism, and weather damage.

Unoccupied property insurance can give you peace of mind while you’re away by protecting your property and its contents against potential risks. In this article, we’ll take a closer look at what unoccupied home insurance is, what it covers, how to choose the right policy for your needs, and much more.

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What is Unoccupied Home Insurance?

Unoccupied home insurance is a type of insurance that’s designed for properties that will be left uninhabited for a certain period of time. This could be anything from a few weeks to months or even years.

Most standard home insurance policies have a clause stating that the policy won’t cover damages or losses sustained if the property is left unoccupied for a period of 30 days or more. That means if something happens to your home while you’re away for an extended period, you might not be covered by your regular policy.

Unoccupied property insurance can cover a range of risks, such as theft, fire, and water damage caused by burst pipes. The policy can also include a range of optional extras, such as public liability insurance, accidental damage insurance, and legal expenses cover.

What Does Unoccupied Home Insurance Cover?

Unoccupied home insurance typically covers the same risks as regular home insurance policies, with some additional protections specific to unoccupied properties. The coverage depends on the specific policy and the insurance provider.

Here are some common types of cover that unoccupied home insurance can provide:

Type of Cover
Description
Buildings Insurance
Cover for the physical structure of the property, including walls, roof, floors, and permanent fixtures.
Contents Insurance
Cover for your personal belongings and furniture within the property.
Public Liability Insurance
Cover for any injury or damage caused to a third-party while on your property.
Accidental Damage Insurance
Cover for any accidental damages caused to the property or contents.
Legal Expenses Cover
Cover for the legal costs involved in disputes, such as claiming damages from a tenant or defending against a liability suit.

What are the Benefits of Unoccupied Home Insurance?

There are several benefits of having unoccupied home insurance, including:

  • Peace of mind that your property is being protected
  • Financial protection against damage or loss
  • Cover for a range of different risks and hazards
  • Optional add-ons for additional protection
  • Affordable premiums

How to Choose the Right Unoccupied Home Insurance Policy

Choosing the right unoccupied home insurance policy can be a bit of a challenge, especially if you’re not familiar with insurance jargon and technicalities. Here are a few tips to help you make the right choice:

  • Assess your needs and the particular risks associated with your property
  • Compare policy options and prices from multiple providers
  • Check for any exclusions or limitations that might affect your coverage
  • Consider the policy’s optional extras, and only take what you need
  • Read the policy documents carefully and don’t hesitate to ask questions

FAQs

What is the difference between unoccupied and vacant property insurance?

Unoccupied and vacant are often used interchangeably, but in the context of insurance, unoccupied usually means that the property is uninhabited but has personal belongings, furniture, and other contents inside. Vacant property, on the other hand, means that the property is completely empty and there are no contents.

Do I need unoccupied home insurance if I have a regular home insurance policy?

If you’re leaving your home unoccupied for a period of 30 days or more, your regular home insurance policy might not cover you for any damages or losses that occur during that time. Unoccupied home insurance can provide you with the extra protection you need while you’re away.

How long does unoccupied home insurance last?

Unoccupied home insurance policies can last anywhere from a few weeks to months or even years, depending on your needs and the policy you choose. Most providers offer policies that last for up to 12 months, although you can renew the policy if you need to leave your property unoccupied for longer.

What is not covered by unoccupied home insurance?

Exclusions and limitations vary depending on the policy and provider, but some common things that might not be covered include:

  • Losses or damages caused by wear and tear or lack of maintenance
  • Losses or damages caused by intentional acts or criminal activities
  • Losses or damages caused by unreported repairs or renovations
  • Losses or damages caused by natural disasters, such as earthquakes or floods, unless specifically stated in the policy

Can I switch between unoccupied home insurance policies?

Yes, you can switch between unoccupied home insurance policies, as long as you inform your provider and follow the necessary steps. It’s important to note that switching policies might affect your coverage, premium, and excess.

Can I cancel my unoccupied home insurance policy?

Yes, you can cancel your unoccupied home insurance policy at any time, but you might be charged a cancellation fee. Check your policy documents for details on cancellation and refunds.

Conclusion

Unoccupied home insurance can provide you with the protection and peace of mind you need when you’re away from your property. It’s important to choose the right policy and understand its coverage and exclusions. Use the tips and information in this article to make an informed decision and keep your home safe and secure.

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