Unoccupied Property Insurance Overview
A property is defined as unoccupied when is left without an occupant for more than 30 consecutive days or is not furnished enough to be normally lived in.
Typical reasons for why a property is unoccupied include:
- Awaiting probate
- Awaiting sale or occupation
- Undergoing refurbishment or renovation
- The occupier’s absence, such as when they
- have a second home,
- are travelling,
- have been hospitalised or
- taken into care
Some insurers are very wary of insuring unoccupied properties. With our expertise and knowledge we are usually able to find competitive cover for your unoccupied properties
There are typically 3 levels of cover available:
- Unoccupied Level 1 FLEEA only – basic cover for fire, lightning, explosion, earthquake and aircraft
- Unoccupied Level 2 Full Perils excluding escape of water, theft or attempted theft and malicious acts.
- Unoccupied Level 3 Full Perils
Do you need Unoccupied Property Insurance? Our friendly professional specialists are here to help with all your insurance needs regardless of how complex they are.
Empty Property Insurance
A property is defined as Empty or vacant when is left without an occupant for more than 30 consecutive days or is not furnished enough to be normally lived in.
Some insurers are very wary of insuring empty properties. With our expertise and knowledge we are usually able to find competitive cover for your empty properties.
There are typically 3 levels of cover available:
- Unoccupied Level 1 FLEEA only – basic cover for fire, lightning, explosion, earthquake and aircraft
- Unoccupied Level 2 Full Perils excluding escape of water, theft or attempted theft and malicious acts.
- Unoccupied Level 3 Full Perils
Do you need Empty Property Insurance? Our friendly professional specialists are here to help with all your insurance needs regardless of how complex they are.
Renovation Insurance
While your property is undergoing renovation or conversion you will need a specialised renovation insurance regardless of whether your property is occupied or not.
If you don’t tell your insurance broker or insurer that your property is undergoing renovation, and continue to have your regular property insurance you are unlikely to be fully covered. You may not even realise this until you need to report a claim.
The risk of something unexpected happening during renovation and especially when no one is living in it, is considerably higher. Not all insurers are willing to take such risks. At Fairweather Insurance, we specialise in insuring properties that are undergoing renovation and we are confident that we will find the right cover for you at the right price.
Do you need Renovation Insurance? Our friendly professional specialists are here to help with all your insurance needs regardless of how complex they are.
Second Home Insurance
A second home is defined as a residence that you intend to occupy in addition to your primary residence for part of the year. This could be your holiday home or a flat or house in the city you work in.
We know that second homes can be just as valuable and precious for you as your permanent home. Furthermore, some insurers are very wary of insuring properties that are not occupied all year around. With over 30 years’ of experience and well established relationships with key second home insurers. we are usually able to find the right cover for the right price for your precious home.
There are typically 3 levels of cover available:
- Level 1 FLEEA only – basic cover for fire, lightning, explosion, earthquake and aircraft
- Level 2 Full Perils excluding escape of water, theft or attempted theft and malicious acts.
- Level 3 Full Perils
Do you need Second Home Insurance? Our friendly professional specialists are here to help with all your insurance needs regardless of how complex they are.
Awaiting for Sale Property Insurance
Your property is on the market. There may still be some furniture in it or it may be empty. If you are awaiting sale of your property, then your property may be defined as unoccupied if it is left without an occupant for more than 30 consecutive days or if it is not furnished enough to be normally lived in.
Some insurers are very wary of insuring properties awaiting sale. With our expertise and knowledge we are usually able to find competitive cover for your properties awaiting sale.
There are typically 3 levels of cover available:
- Unoccupied Level 1 FLEEA only – basic cover for fire, lightning, explosion, earthquake and aircraft
- Unoccupied Level 2 Full Perils excluding escape of water, theft or attempted theft and malicious acts.
- Unoccupied Level 3 Full Perils
If you expect an Outstanding Service with a Personal Touch for your unoccupied property insurance then do get in touch with us at Fairweather Insurance.
Probate Insurance
Probate is the legal process by which a deceased person’s property, known as their “estate,” is passed to the heirs and beneficiaries.
When a loved one passes away, their property enters probate. As the legal process tends to be quite lengthy, it’s important to make sure the deceased’s estate is well cared for and inspected regularly.
The existing insurance policy for the property may no longer be valid as an unoccupied property insurance may be necessary. A property is defined as unoccupied when is left without an occupant for more than 30 consecutive days or is not furnished enough to be normally lived in. In the event of a probate, it is very likely that the property will be treated as unoccupied property.
Some insurers are very wary of insuring properties that are not occupied all year around. With over 30 years’ of experience and well established relationships with key probate insurers. we are usually able to find the right cover for the right price for probate properties.
There are typically 3 levels of cover available:
- Level 1 FLEEA only – basic cover for fire, lightning, explosion, earthquake and aircraft
- Level 2 Full Perils excluding escape of water, theft or attempted theft and malicious acts.
- Level 3 Full Perils
Do you need Probate Insurance? Our friendly professional specialists are here to help with all your insurance needs regardless of how complex they are.
Contact Us
Our friendly professional specialists are here to help with all your Unoccupied Property insurance needs regardless of how complex they are.
- Call 01753 882222