Unoccupied property insurance from Alternative Insurance is suitable for properties which will be left vacant for 30 days or more. Our cover is flexible. You can choose any period of cover such as 3, 6, 9 and 12 month insurance policies. This means you are only paying for what you need to avoiding any unnecessary costs.
If you know your main home will be unoccupied for more than 60 days, just let us know so we can make sure your cover isn’t affected. In the event that your home becomes permanently unoccupied, you will need specialist cover and that’s where our expert team can help to advise you.
When insuring an empty house, keep in mind it might be more expensive than standard building insurance. This is because vacant properties can be at higher risk of squatters, vandalism or fire.
To help mitigate these risks, you should take the following steps:
- Inspect the property regularly
- Ensure repairs are done swiftly
- Remove all valuables
- Seal letter boxes to reduce vandalism
- Secure your property with high security window and door locks
- Set the burglar alarm (if there is one)
- Turn the heating on or keep it on a frost alert setting during winter
- Switch off utilities
If building work is being done on an empty property, potential insurers will consider the following:
- Health and safety of workers on the building site
- The extent of the building works being carried out
- The duration of the works
- Professional competence of contractors carrying out the works
- If the contractors are not adequately insured for the work they are carrying out, you could be held liable for any damage or injury they cause
Key features of unoccupied property insurance
- Flexible policies for 3, 6, 9 and 12 months at a time – so you are only paying for the cover you need
- Instant cover available over the phone
- Property owners liability cover of up to £2 million
Alternative offer good value insurance. Other insurers may be cheaper but lower levels of cover can leave you open to risk. Often insurers will not provide full cover while a property undergoes renovation or refurbishment, whereas in most cases we can offer extensive cover.
You may find that the property is vacant and requires unoccupied property insurance because the property is:
- Awaiting probate
- Awaiting sale or occupation
- Undergoing or awaiting refurbishment or renovation
- Left vacant due to the owner being at a second property or abroad, hospitalised or taken in to care