Unoccupied Property Insurance
There are many reasons why unoccupied property insurance may be needed for a building. Perhaps it’s a holiday home that’s only used a few times a year. Maybe it’s a refurbishment property that you’re fixing up as a rental. Or, sadly, the house may have become unoccupied due to the owner passing away.
Unoccupied Property Insurance
Unoccupied Home Insurance can be confusing, let us help take the hassle out of finding the right cover for your property. Our friendly knowledgeable team offer a professional quotation service.
Call us on 0800 612 9376 for a free quote now, or click to get a quote online.
We will tailor your quote to meet your needs and offer various levels of cover from basic Fire, Lightning, Explosion, Aircraft cover to Full Perils, including Malicious Damage/Vandalism, Theft, Escape of Water, Flood and Subsidence cover.
- All types of Unoccupied Property catered for including Residential, all types of Renovations, Landlords (including Portfolios), Executors, Power of Attorney, Solicitors and Commercial.
- Varying levels of cover depending on your requirements.
- We offer 3, 6, 9, or 12 month policies.
- Cover for Contents available.
- Competitive prices, saving you money.
- Quick quotes, offering cover immediately in most cases.
- Flexible payment options available.
- Friendly, knowledgeable team, to guide you through the process.
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Understanding Unoccupied Properties
Whatever the situation, if a house that you are responsible for needs to remain unoccupied for more than 30 days, it will need to be covered by unoccupied property insurance – otherwise, any claims that need to be made due to accidental or malicious damage or theft may not be covered.
As experts in providing home insurance policies for non-standard buildings, GSI Insurance Services (Southern) Ltd can help you find an affordable insurance policy for an unoccupied property quickly and easily. With our assistance, you can rest assured that the property is protected, no matter how long it remains empty.
Tips for protecting an unoccupied building
For any property left vacant for more than 30 days, unoccupied building insurance is a must. But there are other ways to protect the home and prevent claims – these could help you earn a no-claims bonus and keep your premium to a minimum.
A vacant house can be very obvious to potential thieves or vandals, particularly if the garden is not properly tended.
If possible, visit the property on a regular basis to do some basic upkeep – mow the grass, clear away dead leaves and do a bit of weeding. Also, be sure to keep an eye on any trees surrounding the house and deal with any large branches that could cause damage to the structure during a storm. You can also opt for a professional gardener to take care of these things every few weeks.
Tidy up outside
Walk around the perimeter of the property, making sure to remove any large items, tools or ladders that could be used to break into the home or cause damage. Also, invest in strong locks for any external buildings like garden sheds or summerhouses.
A well lit house can help to deter burglars, so consider installing pathway lights and motion-sensor lights on the outside of the building. Having one or two lights on timers inside the house can also help to give the impression that somebody is home.
It may not always be an option, but if possible, try to empty the unoccupied property of any expensive electrical goods, jewellery, works of art and antiques, as these items are sure to be targeted if there is an intruder.
Invest in a good security system
Alarms and CCTV cameras aren’t just for providing an alert if there is an intruder – they can also deter burglars and vandals just by being installed and visible.
Get the right cover for your vacant property
If you need insurance for an unoccupied property, GSI can help. Our team of experts will work with you to ensure you have the right cover for the vacant home, at a price that suits your budget. In the event of a claim, a 24-hour helpline service is always available and we take great pride in offering the best service possible.
To find out more about our unoccupied property insurance, discuss your situation or get a free quote, contact us today. You can also fill in your details on our online quote form, or request a callback below and we’ll get back to you as soon as possible.