Unoccupied property insurance is only available where the owner has passed away or retired to a nursing/care home.
For peace of mind, if the home has been put on the market for sale following the above, we are happy to offer cover as well.
Full details of the cover can be found in our policy wording, just click the file below.
It is vital to obtain the correct insurance from a specialist in unoccupied property insurance such as ourselves. If you do not do this then you will more than likely not be paid in the event of a claim or have any claim payment hugely reduced. As an example you could be easily looking at costs of over £30,000 on an escape of water claim.
There is no legal requirement to insure an unoccupied property, however if there is a mortgage on the home then it would be a condition of the mortgage to ensure the buildings are continually insured against certain risks. If you are an executor of an estate, it is your legal responsibility to look after that estate to the best of your ability, therefore correctly insuring the property will be one of your duties.
This depends hugely on who you insure with. Some supposed specialist insurers only offer fire cover, and some offer full cover, as with a home insurance, but with high excesses and stringent terms. To ensure you are correctly and safely covered, get a quote from us, as we provide all the cover you may need and at a price you will like.