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Temporary unoccupied property insurance

Cover your home when it's unoccupied

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What is unoccupied property insurance?

Many insurance companies will want to void a policy if the home is left unoccupied for longer than a set period of time (Usually 30 days but this can differ depending on the provider). They are often a target for thieves, vandals and even squatters and therefore unless you get temporary unoccupied property insurance, you could be left with no cover and a hefty bill if something goes wrong.

Even if you have paid for a years’ worth of cover, if you know that your property is going to be vacant for longer than the allowed time stipulated on your policy, you will need to find alternative cover.

Rather than worrying about having to spend time and effort adjusting existing policies, temporary home insurance gives you complete peace of mind should something happen. With a temporary unoccupied property insurance, you can get Full Perils cover for your empty home for up to 28 days at a time.

This means that while you’re away or while the property is waiting to be occupied again, you can rest assured knowing that your home is fully insured.

When could temporary cover help me?

There are a number of reasons why your home could be left empty for an extended period of time and in many of those of situations temporary home insurance could be the ideal solution.

Here are just some of the occasions when it could be the best option for you:

During probate

When a friend or family member dies, the last thing you want to worry about is whether or not their home is properly insured. With a temporary policy, you can ensure the home is covered during the probate period.

Purchasing a short term home insurance policy is simple, straightforward and quick so you can focus on what’s really important while getting the peace of mind that if something happens to the house, you will be covered.

You’re not tied into an annual policy so when probate is resolved you can arrange permanent cover or hand over responsibility to new owners.

It’s the hassle-free solution that can save you time and money.

Undergoing refurbishment

If you’re lucky enough to be having extensive refurbishments to improve your home then you might leave your property for an extended period of time to stay out of the way.

You’ve probably already had to fork out a load of money to cover the costs of the renovations, so why choose an insurance policy that’s going to cost you more than it needs to?

Temporary unoccupied property insurance

With extensive refurbishments taking place there is an increased risk of damage to the property, and if your home is left empty for more than 30 days (or the specific duration stated on your home insurance policy) you might not be covered.

It also covers the high cost that could come if an innocent member of the public is injured in your property while it’s unoccupied. Covered by the public liability section of the policy, it could end up saving you thousands of pounds.

Extended holiday

Everyone loves long holidays but what’s not so fun is finding out that your existing home insurance provider won’t cover you while you’re away and may even reduce the level of cover when you get back.

For many holidaymakers, this is a frustrating situation that causes stress and worries at what should be an enjoyable time.

Unfortunately, even if you leave the property vacant for just a day longer than is stated in the policy agreement, many insurance providers are unwilling to continue to provide cover.

Thankfully a temporary insurance policy is flexible and you can customise the policy to best suit your needs and budget by selecting the level of cover you require and the duration you want.

From 7 days to one month, you get the cover you want.

It’s ideal for extended holidays, business trips and family emergencies. So Instead of worrying about what will happen to your home and contents while you’re away, get temporary insurance for your unoccupied property and know that you’re covered.

What does temporary unoccupied property insurance cover?

There are different levels of cover you can get with a short term home insurance policy depending on your circumstances.

First and foremost you can choose what you want to be insured, we offer cover for your building only, your contents only or both. Contents only insurance will cover:

  • Tenants fixtures and fittings
  • Radio and television aerials and satellite dishes
  • Deeds, registered bonds and other personal documents
  • Personal belongings (Clothes, entertainment equipment, sports equipment, camping gear and more)
  • Pedal bikes which are stored within the house

The ‘building’ is defined as the home and the decorations including fixtures and fittings attached to the home which you own or are legally responsible for. The buildings cover will not include:

  • Swimming pools
  • Drives
  • Patios
  • Terraces
  • Walls
  • Gates
  • Fences

Neither of these lists is exhaustive and other exclusions will apply. Consult your policy wording for more detailed information.

Once you’ve selected what you want to be insured, you can select the level of cover you require. There are two levels of temporary home insurance available:

Full Perils

This is the highest level of insurance that is the home insurance equivalent of comprehensive car insurance and will cover ‘all-risks’ unless specifically excluded in the policy wording.

For complete peace of mind, this is the best option but you can expect to pay slightly more for the higher level of cover. If this doesn’t fit your budget then you can opt for the reduced level of cover.

FLEEA Cover

As a reduced level of cover, FLEEA cover specifically insures against the threats of FireLightningExplosionEarthquake, and Aircraft.

Although designed to only cover these 5 specific perils, it will also insure you against any associated damage caused by one or more of these perils – For example, items dropped from an aircraft or smoke damage from a fire would also be covered.

Whatever level of cover you require, getting a quote is easy and takes just a few minutes. Start a quote now or find out more about how temporary insurance could be the ideal insurance solution for you.