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Unoccupied Property Insurance
If your property is unoccupied for over 30 days at any one time you may find it difficult to get the right insurance. Some underwriters prefer not to provide insurance, and premiums can vary depending on the reasons why the property is vacant.
Reasons can include:
- A pending sale
- Waiting to move in,
- Renovation or redecoration
- The property is changing owners
- Death of a previous owner
Vacant properties are also seen as more high risk, as they are more likely to succumb to theft and vandalism. There is also the fear of squatters and any damage caused as a result of property neglect for long periods of time.
There are a range of vacant property insurance policies available and you can select from a range of different quotes by top UK insurers, the one that best suits your needs.
To minimize the risk a number of measures can be taken. These include securing windows and doors and carrying out a regular inspection of the property.
