Cover for carpets, furniture, fittings and appliances
Covers cost of any legal expenses in the event of claim
Many providers offer three, six, nine or twelve month policies as well as varying levels of cover.
Covers cost of demolition, debris clearance, solicitors and architect fees, and materials and labour
Tips and Advice
Keep your unoccupied property safe from any unwanted visitors.
Outside appearance – Maintaining a kept outside appearance is key to deterring unwanted occupants. Peeling paintwork, faded curtains and an overgrown garden are signs which hint at dereliction. Some policies will insist that you maintain the appearance of your property to help reduce the risk of vandalism or intruders.
Regular checks – check up on the property regularly, to ensure any crime or damage will not go long before being reported. The person visiting does not have to be the policy holder.
Security – install locks with a high safety rating, a good burglar alarm, and CCTV if your property is in an area which is frequently targeted by thieves, and consider removing valuables on the property.
FREQUENTLY ASKED QUESTIONS ABOUT UNOCCUPIED PROPERTY INSURANCE
Even if you have regular house or property insurance, most policies will not cover a property which has been unoccupied for more than 30 days. This is because empty properties are seen to be more likely targets for vandals and burglars, and if they are damaged it will go unreported and unrepaired for longer than an occupied property would.
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