Table of Contents
Introduction to Home Insurance
Home insurance is essential for protecting your property against various risks, including fire, theft, and malicious damage.
Unoccupied property insurance is a type of home insurance that covers properties left unoccupied for extended periods.
Standard home insurance policies often have limitations on the length of time a property can be left unoccupied, making specialist unoccupied home insurance necessary. This is often 30 days. However, Emerald Life can cover TWO periods of up to NINETY days.
Unoccupied home insurance cover can be tailored to individual circumstances, including renovation, probate, or extended holiday periods unless you have an Emerald policy.
It’s crucial to understand the terms and conditions of your home insurance policy to ensure you have the right level of cover.
Get a Home Insurance Quote from Emerald Today!
Emerald is an award-winning home insurer – and we work a lot with homeowners who want to travel, helping to explain how insurance policies work and some of the jargon (alternative accommodation, trace and access, excess and excesses, change in circumstances). We pride ourselves on being knowledgeable and easy to work with.
Call us for a quick quote on 0330 113 7109, request a callback from our website, or email us at customerservice@emeraldlife.co.uk. Our service and pricing is why many customers get their insurance with us, and after customers paid our service continues. e are always happy to talk about cover for you and your property, be it new home or old home.
Why You Need Unoccupied Home Insurance
If you’re leaving your home unoccupied for more than 30 days, other insurers will tell you that you may need unoccupied home insurance to protect against risks like fire, theft, and vandalism. However with an Emerald policy you may not need the (more expensive and less flexible) unoccupied property insurance.
Unoccupied properties are more vulnerable to damage and theft, making specialist insurance essential. This means that, even for an Emerald policy, although you do not have to switch over to unoccupied property insurance, there is a price increment to reflect the higher risk of unoccupied properties.
Many standard insurers refuse to pay out if a property is left vacant under a standard policy, highlighting the need for the right home insurance.
Unoccupied home insurance can provide peace of mind and financial protection against potential damage or loss – but remember that Emerald can cover this under a standard home insurance policy.
It’s essential to inform your insurer if your home will be left unoccupied for an extended period to avoid invalidating your policy because you have an empty house or empty property.
Types of Insurance Cover
Unoccupied house insurance options include buildings cover, contents cover, and liability cover.
Buildings cover looks after the structure of your property, while contents cover guards your belongings – it’s all about keeping your home protected.
Liability cover protects you against claims for injury or damage to others.
Specialist unoccupied home insurance can provide additional cover for risks like theft, and vandalism. But you may not need it for your empty property if Emerald can help.
It’s crucial to choose the right level of cover to ensure your property is adequately protected.
Unoccupied House Insurance Options
If you need it, unoccupied property insurance can be tailored to cover properties with individual circumstances, including renovation, probate, or extended holiday periods.
Empty home insurance can provide cover for properties unoccupied for short or long periods. Standard insurers will not give you 90 day periods – Emerald will.
Specialist unoccupied home insurance can offer flexible policy terms and competitive rates for unoccupied homes, but it is easier to wrap this into your home policy.
It’s essential to compare quotes and policy terms to find the best house insurance option for your empty home (or your largely empty home!). Many standard insurers will not allow your property to be unoccupied for more than 30 days.
Consider factors like security, location, and property value when choosing your insurance policy and when you insure your property, even if the cost may be a little higher with specialist cover.
Understanding Unoccupied Properties
Unoccupied properties are more vulnerable to insured risks, making specialist insurance essential for unoccupied homes.
Properties left unoccupied for extended periods can be at risk of vandalism, and theft.
It’s crucial to take steps to secure your property, including installing security systems and keeping the property well-maintained.
Unoccupied home insurance can provide cover for properties unoccupied due to various circumstances, including renovation, probate, or extended holiday periods.
Regular checks on the property can help limit damage and maintain insurance cover.
The Importance of Home Security Measures
Home security measures, such as installing security systems and keeping the property well-maintained, can help reduce the risk of damage and theft and may be required by your insurer to keep your home secure and your cover valid.
Unoccupied properties can be more vulnerable to escape of water, fire, and malicious damage, highlighting the need for specialist insurance.
Taking steps to secure your property can help lower insurance costs and reduce the risk of claims.
Consider investing in security measures like alarms, cameras, and secure doors and windows.
Regular maintenance can also help prevent damage and reduce the risk of claims.
Conclusion – Emerald can help
Emerald has been covering customers who want longer periods of travel for more than a decade and has a high level of expertise, which you may need as this is a non-standard policy. With trained customer agents, top customer reviews and a high level of satisfaction, we aim to meet your needs and we hope that we can help you.
Starting is simple – just call us on 0330 113 7109 or email us on customerservice@emeraldlife.co.uk and we would love to hear from you.