Unoccupied Property Insurance
Just because your property isn’t occupied doesn’t mean that it isn’t an insurance risk. In fact the opposite is true – as anyone who’s tried to find affordable cover will already know. Empty properties tend to be more vulnerable to certain insurance claims (such as: burglary, vandalism and storm damage) which is reflected in sky-high insurance premiums.
Most insurance providers simply don’t want the business as they perceive the risk as being too great. However, at Quoteline Direct we like to do things a little differently. As an independent broker we have access to a wide range of underwriters specialising in unoccupied property insurance. Our expert consultants will carefully assess your needs and present your case to our panel of insurers. And by taking this bespoke approach; we are confident that we could save you some serious money.
Unoccupied property which is your main residence
If your main residence is left unoccupied for more than 30 days the chances are that it won’t be covered by standard home insurance. It’s a clause which is often overlooked in the small print and one which many homeowners find out the hard way.
Your property could be unoccupied for any number of reasons: perhaps you’ve decided to move out while your home is being renovated or perhaps you travel abroad each year to escape the worst of the British winter. Whatever the reason we can help you find competitive insurance that fits your needs.
Unoccupied property which is not your main residence
If you own or are responsible for an indefinitely unoccupied property then you may need a specialist unoccupied property policy, rather than having a regular home insurance policy tailored for your needs. Properties in probate, those waiting to be sold or even those undergoing renovation before being let or sold require special attention. Whatever your circumstances our team of experienced consultants can arrange comprehensive cover which won’t break the bank.
By individually tailoring each policy we can cut costs without compromising on cover. Naturally this means that individual policy details vary (after all who wants to pay for something they don’t need?) but common benefits include:
- Access to a wide range of cover options, from simple FLEEA (Fire, Lightning, Earthquake, Explosion & Aircraft) to extended Buildings & Contents.
- You can choose 3, 6, 9 or 12 month policies, which means you won’t waste a single penny.
- We can provide cover for all types of property (including listed buildings) and any size portfolio.