FAQ - Unoccupied property insurance
Here are some of the questions we are frequently asked about our
unoccupied property insurance. If you can't find
the answer to your question here, please call us on 0844
736 8247.
What if I only need to insure the property for a short period
of time?
Our unoccupied home insurance policy is
very flexible and we can insure for 3, 6, 9, and 12 months at a
time. Selling the property or undergoing probate can be a lengthy
process which is why we are flexible.
Why can't I get standard buildings and contents cover for my
unoccupied home?
Most providers will not insure properties
which are left unoccupied for more than 30 days at a time, which is
why you need to come to a specialist provider.
What if I work away and my property is left unoccupied for
months at a time?
Your best bet is to speak to one of our
advisors on 0844 736 8247 and explain your
circumstances to make sure you get the right level of cover.
Can I still arrange insurance even though the property is being
renovated?
Yes you can. Call us on 0844 736
8247 to discuss your needs in more detail.
I have some items of furniture in the unoccupied property - are
these covered?
We can offer cover on contents up to
£15,000 so your furniture will be covered as long as it does not
exceed this amount.
The property is going through probate, how can I arrange
insurance?
If you are the executor you can arrange
insurance with us over the phone. We can get the property insured
straightaway so you have one less thing to worry about.
Does this policy include property owners liability
insurance?
Yes. Our policy automatically provides
employers liability cover of up to £2 million.
My current insurer won't cover me - can I arrange insurance
ASAP?
Yes. We can arrange instant cover. You can
do this over the phone or online.
How much should I insure my unoccupied property for?
For your buildings you need to take into
consideration not only the cost of rebuilding the main property but
also any outbuildings, swimming pools, boundary walls etc. The
value should include solicitor and surveyor fees and demolition
costs. With your contents you need to consider all household goods
and personal property within your unoccupied property and how much
you would have to pay to replace them as new. We make a deduction
for wear and tear for clothing and linen.
Can I pay my premium by cheque?
Yes, of course. Post your cheque to:
Towergate Connect, Suite N, The Octagon, Middleborough, Colchester,
Essex CO1 1TG.