Can I Insure an Unoccupied House if I Don’t Live in the UK?

The Question:

This is a common question we receive, and it’s understandable why; many people have responsibilities for insuring a property but don’t live in the UK. If you’re in this situation, you may be wondering if you can still secure insurance for an unoccupied house.

The Challenge:

Many mainstream insurers struggle to provide coverage for properties in these situations, as it doesn’t fit their online systems or policy requirements. Most will require the person responsible for the insurance to be living in the UK or to have a UK address.

The Solution:

At Insuristic, we can offer insurance for unoccupied properties even if the person responsible doesn’t reside in the UK, provided they have a UK passport and a UK bank account.

However, there are some things to be aware of:

1. Local Support: You will need someone in the UK to assist with inspections and ensure the property is kept in a good state of repair.
2. Property Types: We can help with different property scenarios, including:
   • Unoccupied property in probate
   • Empty property while the owner is in care

What You Need to Know:

• For Property in Probate: We provide specialist probate house insurance to ensure the property is protected during the probate process (from the point the property becomes empty, until it is sold, inherited or becomes occupied again).
• For Empty Property While the Owner is in Care: Our unoccupied home insurance covers the property while the owner is away, whether they’ve gone into care or have lost capacity.

How to Get Insurance:

If you’re in this situation, or know someone who is, here’s where they can find the coverage they need:

• Probate House Insurance
• Unoccupied Home Insurance