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Temporary home insurance

Find out more about short term home cover

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Find out more about short term home insurance

You’d be forgiven for believing that if you have an annual home insurance policy, then your house is covered throughout the year, whether you’re in the property or not.

Unfortunately, there are some situations when annual policies may become invalid or are not appropriate for your specific needs.

If you’re in a scenario where your annual policy becomes invalid, like if you leave your home unoccupied for a period of time, you would be left having to foot the bill for any potential damages that occur. Thankfully in this scenario and many others, there is a solution.

Can you get short term house insurance?

Yes, you can get house insurance on a temporary basis. While you’re not in your home, short term home insurance offers Full or Reduced Cover depending on your needs, for up to 28 days at a time.

It’s a flexible approach to insurance that offers complete peace of mind for homeowners in a range of different situations.

Getting temporary house insurance from Tempcover is fast and convenient and whether you’re getting a quote on desktop or on your mobile, you can get instant cover, 24/7.

temporary home insurance

When would I need temporary home insurance?

Temporary home insurance is the best solution for a number of everyday situations. If you find yourself in one of the following scenarios then a short term policy could be the easiest and most cost-effective insurance option.

When your home is vacant

Many home insurance policies will become invalid if the house is unoccupied for a set period of time. The usual duration is 30 days, but this can vary depending on the policy.

This means that if something happens to your house, whether there’s damage to the property, a fire, flood, or even a break in, then your annual insurance is unlikely to pay out if you make a claim.

If you know that your home is going to be unoccupied for a period longer than is allowed on your annual policy, short term unoccupied property insurance can cover you for the time after your policy becomes invalid.

This way, no matter how far away from home you are, you don’t have to worry about paying for any repairs or replacements yourself if something goes wrong, thanks to temporary home insurance cover.

While a property is in probate

Short term home insurance is also a helpful option during probate. If a friend or family member passes away and leaves a house which either didn’t have home insurance, or where the existing policy has expired, probate house insurance can act as a secure stop gap until probate is resolved.

With everything going on around you, it can be reassuring to know that your loved one’s home will be covered until the property is sold or occupied again.

If you’re staying in a short term rental property

If your home is undergoing major renovations, then you might find yourself looking for an alternative place to live. For temporary rentals, short term contents insurance is the ideal way to get cover at the place you’re staying temporarily without having to fork out for an annual insurance policy.

Policies are available from 7 days to 28 days, and are flexible to suit your own individual needs.

Short term home insurance allows you to select what is covered, so you get the right arrangement for your situation. You can choose from buildings only, buildings and contents or just contents only depending on what is right for you.

The contents and personal belongings covered in your temporary accommodation can include but is not limited to clothes, luggage and sporting and entertainment equipment.

If the planned repairs take longer than first anticipated you can quickly and easily purchase another short term home insurance policy, online at any time in just minutes.

Holiday swaps

In the last few years, house swapping has become an increasingly attractive holiday option for many. While you save money not having to pay out for hotels or villas, you might find that you’re faced with a huge bill if something happens to your house while you’re not there.

Some annual insurers won’t cover for holiday exchanges, and even those that do may increase your excess or reduce the level of cover you receive. The best way to ensure your home is insured during a holiday swap is through short term house insurance.

Say you planned a holiday swap with a couple and their five children from Spain. your annual insurance provider will have assumed that you were living in the house throughout the year.

If something happened in your home during the swap, and your insurance company found out you weren’t on the property, you would not only lose any no claims bonus you may have, but some insurers may refuse to pay out altogether. With a specialised holiday swap insurance policy, you can protect yourself for all eventualities and enjoy that getaway you’ve worked hard for.

When you’re moving house

When you’re buying a new house, there are a million and one things you’ll be thinking about. But one thing you may not have considered is what happens to your home insurance if the deal is delayed.

Say if you’d planned to complete on a Friday, yet for some reason there wasn’t a transfer of funds by midday, everything would have to wait until the following Monday.

You might find that because you’ve already advised your annual insurer of the change of address, that your old property will be uninsured over the weekend. While this may seem like a short period of time, any damages or accidents that happen while you’re not properly covered could mean you’re faced with a hefty bill. That’s something no one wants, especially when you’ve just bought a house.

Available from just 7 days, temporary home insurance gives you the peace of mind that whatever happens, you can get comprehensive cover for the duration you need without having to adjust any existing policies.

What levels of temporary home insurance are available?

With short term home insurance from Tempcover, you can choose from two levels of insurance

Full Perils temporary insurance

Known as Full Cover, this insurance option is the highest level available. This will cover anything that is not specifically excluded in your policy document.

FLEEA cover

The second option is Reduced Cover, also known as ‘FLEEA’ cover which means that you are covered against the specific dangers of Fire, Lightning, Explosion, Earthquake and Aircraft, hence ‘FLEEA’. Although specifically designed to cover the above perils, any associated damage e.g. smoke damage from fires would be covered as well.

You can select which level of temporary home insurance best suits your budget and needs, to ensure you get the right policy for you.

What type of buildings can be covered by a short term home insurance policy?

Temporary home insurance is available for a wide range of buildings, but the property you want to be insured must meet the minimum acceptance criteria. If your home meets the following requirements, we are confident you’ll be able to get a quote:

  • Is valued at no more than £500,000
  • Has no existing or deliberate damage to the building or contents
  • Has no defective design or construction
  • Is not a listed building

It’s important to note that, depending on the insurer, other restrictions may apply.

Short term home insurance could be the best way to save you time and money, in a huge number of circumstances. Getting a quote is simple and straightforward, and it takes just a couple of minutes to see how much it could save you.

Other types of short term insurance by Tempcover

It’s more than just your property that you need to protect. At Tempcover, we know that life can be surprising and spontaneous, and that sometimes you need short term cover there and then. Across a range of insurance sectors, we bring you flexible and comprehensive cover from a panel of industry leading insurers. No matter who you are, and what or how long you need a policy for, we do our best to save you valuable time and money.

Find out more about what Tempcover could do for you today.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

What level of cover is available?

With temporary home insurance from Tempcover, you can choose from two levels of insurance. You can select the comprehensive option, known as Full Cover, which is the highest level available. This will cover anything that is not specifically excluded in your policy document.

The second option is Reduced Cover, also known as ‘FLEEA’ cover which means that you are covered against the specific dangers of Fire, Lightning, Explosion, Earthquake and Aircraft, hence ‘FLEEA’. Although specifically designed to cover the above perils, any associated damage e.g. smoke damage from fires would be covered as well.

You can select which level of temporary home insurance best suits your budget and needs to ensure you get the right policy for you.

What type of buildings can be covered?

Short term insurance is available for a wide range of buildings but the property you want to be insured must meet the minimum acceptance criteria. If your home meets the following requirements, we are confident you’ll be able to get a quote:

  • Be valued at no more than £500,000
  • Having no existing or deliberate damage to the building or contents
  • Have a house that has defective design or construction
  • We are unable to insure any listed buildings and other restrictions may apply

Short term home insurance could be the best way to save you time and money in a range of circumstances. Getting a quote is simple and straightforward and it takes just a couple of minutes to see how much it could save you.