Product in Focus Series

Unoccupied Property Insurance

By Alex Turck on January 14th, 2022

Unoccupied Property Insurance is a type of insurance policy that is required when your home is left unoccupied for a period longer than your regular home policy allows, this is normally 30 days. Unoccupied property insurance is required as an occupied house is seen as a greater risk due to the possibility of unnoticed building maintenance issues and the increased appeal to burglars.

Estatesearch can offer Unoccupied Property Insurance on a range of properties and can be provided on a 3-, 6-, 9- or 12-month basis. If purchasing a 9- or 12-month policy you can cancel this insurance at any time outside the cooling off period by giving us 14 days’ notice, provided no claims have been made or reported during the current period of insurance the Insurer will return a proportion of your premium paid on a pro rata basis.

Included under the policy includes Buildings Cover; loss or damage up to  £1,000,000 including free Accidental Damage cover, Contents Cover; loss or damage to any contents up to £10,000 including free Accidental Damage cover, Property Owners Liability; cover as set out in the policy wording up to a limit of £5,000,000 and Legal Liability Cover; legal liability for damages and claimants’ costs and expenses as set out in the policy wording up to a limit of £5,000,000.

Estatesearch differ from many other Insurance Policy makers as we do not require a to routine inspection or visit to the property. Cover is based on the property being in good general repair. We require notification if the premises are no longer unoccupied or become lived in, or if you become aware of any intended external alterations, extensions, or renovations at the premises.

Cover is subject to the full terms and conditions, limits and exclusions of our Unoccupied Direct Property insurance policy wording.

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