We look forward to hearing from you if you believe you need any of the below insurance products or other personal or commercial products.
Empty Property Insurance
A property is defined as empty or vacant when it is left without an occupant for more than 30 consecutive days or if it is not furnished enough to be normally lived in. If this is the case for your property, you will need Unoccupied Property Insurance.
While your property is undergoing simple or major 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 standard 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. That is why you will need insurance specially designed for your circumstances.
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.
Second Home Insurance provides specialised coverage for individuals who own second homes that are left empty for long periods of time. This policy can come with public liability insurance if it is rented out or left to the use of friends or family. If it is not rented out, you have the option to include coverage for loss of rent or income at a particular cost.
Awaiting Sale Property Insurance
Is someone living in your property that is on the market? If the answer to this question is ‘No’, you can benefit from Awaiting Sale Insurance since it is highly likely that it will take longer than 30 days to complete the sale of your property.
Awaiting Sale Insurance provides the protection you need for your unoccupied property until your property is sold.
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, his or her 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. A Probate Insurance may be necessary for the unoccupied property
Probate Insurance provides protection as you wait for the probate process to be completed. We got you covered whether you are an executor, beneficiary, or legal heir who may suffer pecuniary loss in case the property under probate suffers damage from the covered perils.