What is unoccupied property insurance?

We define unoccupied property insurance  as an insurance policy meeting the demands and needs of a person who owns a residential property in which no one lives at the moment and for which there is no immediate prospect of being let.

The insurance quotation may depend on the reason why a property is unoccupied:

• Awaiting a tenant

• Being refurbished

• Awaiting sale

• As executors of an estate

Policies normally offer the options of covering:-

• The buildings

• The contents

• Property owners liability

Please note that when a property is unoccupied, it is not normal to obtain full cover - you may be restricted to Fire. lightning, explosion and earthquake. You should also note that it will be a requirement that the property is regularly inspected and that the central heating either drained or constantly on (to avoid bursts). As we offer several contracts for unoccupied property insurance we will send you full details with our key facts document.

If you need help or assistance please contact us on 0870 7456247 and we can discuss your needs as a landlord of a vacant building for unoccupied property insurance.

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