Read the most frequently asked questions about unoccupied property insurance policies; see the answers, compare quotes and find the best deal to suit you.
What is the definition of unoccupied property insurance?
If a property is vacant for over 30 days, you can apply for temporary cover which is called unoccupied property insurance. Sometimes it is referred to as temporary property insurance. For more information read our beginners’ guide to unoccupied property insurance.
What is the duration of cover?
The availability of cover is usually for a period of three, six, nine or twelve months. You can apply for an extension to this, if you wish.
If my property is unoccupied, what cover will I get from my current home insurance?
You will not be covered by your home insurance policy if your property has been left unoccupied for over 30 days. Both buildings and contents temporary cover need to be taken out if you are going away for longer than this length of time.
When you take out a policy for unoccupied property insurance, it will afford protection against theft, fire, flood or damage, should any of these occur, whilst your property is empty.
In what circumstances do I need to take out a policy for short-term property insurance?
There are several reasons for ensuring cover for short-term. Typically these will include:
How are the calculations for premiums worked out for temporary cover?
Your premium will be based on the level of cover you need to be protected. Some factors that will be taken into consideration are:
Are there any applicable exclusions?
It is wise to read through the full Terms and Conditions on your policy and make sure you understand them before taking out cover. However some instances of exclusion include the following:
If damage, theft or loss should occur as a result of your own carelessness such as leaving windows or doors open, and there has been no apparent force of entry, you will be exempt from cover.