How Insuristic Makes Short Term Empty House Insurance Easy

Finding the right policy for your needs can be a minefield if you need to arrange empty house insurance. 

If the property was previously occupied and insured, you might find your existing insurer unhelpful. They might want to cancel your policy or do one or more of the following: add restrictive conditions, increase your price, or reduce your cover.

It is essential to arrange the right policy to fully protect your property assets and avoid a financial headache should any claims not be covered.

Most people have never arranged empty house insurance before. If you take the time to review providers and the cover they provide, you will quickly learn that there isn’t a standard policy across the insurance market for this scenario, which makes it difficult to compare unoccupied home insurance.

Often, insurance is required during situations that are already stressful, such as:

• Arranging unoccupied home insurance whilst the owner is in care.
• Insuring an empty house after the death of the owner.
• When the home is being renovated, and you wish to move out until the work is completed.
• You are a landlord between tenants and need unoccupied landlord insurance
• If you are away on an extended business trip or holiday
• If the house is empty whilst it is up for sale.

But don’t worry; Insuristic is a specialist in this area, and this post will explain how we can make your life easier.

You can choose to insure the unoccupied building only or include contents cover up to £30,000.

Making Empty House Insurance easy

Insuristic’s mission is to make arranging empty house insurance easy with our tailored, quick-to-buy policies, which cannot be purchased anywhere else.

Most people can get a quote in less than 2 minutes, with no early cancellation fees, flexible cover options, in-house claims support and timely renewal reminders, even if you have purchased short-term cover.

Specialist policies.

Firstly, it has developed different products to help buyers in a specific scenario:

• Unoccupied Probate Property: If you are a lay executor, administrator or solicitor who needs to insure an unoccupied property during probate, you can buy probate house insurance online in less than two minutes.
  • Specialist Probate Solicitors may also wish to consider our inspection free Probate Pro product.
• General Unoccupied Property: For everything other than probate, you can buy our unoccupied home insurance policy online in a couple of minutes.

Flexible Cover

• Range of cover options: Insuristic customers do not need to settle for basic FLEEA Insurance cover which is restricted to claims caused by fire, lightening, earthquake, explosion or earthquakes.  You can choose from three levels of cover to match your requirements, Bronze (FLEEA), Silver or Gold.
• Flexible cover durations: You can choose short term unoccupied home insurance or an annual policy.  Which means you can insure from 3, 6, 9 or 12 months.
• No early cancellation fees: Need to cancel your policy early? No problem! Insuristic won’t charge cancellation fees, ensuring you only pay for the cover you use. 
• Pro-rata Refunds: Insuristic will provide a pro-rata refund for any unused portion of your premium if your circumstances change and you no longer need cover.
• Insure Buildings only or contents: Cover is available for buildings only or you can insure contents up to £30,000. 
• £2m Property Owners Liability as standard: Which means if a visitor to your property injures themselves or damages their property your insurance will cover your legal costs and any award to a third party up to £2m.

Streamlined process

Getting a quote and setting up your policy is quick and easy.  Here’s how Insuristic makes it hassle-free:

• No Rebuild Value Required: For properties with a rebuild value under £750,000, you won’t need to worry about determining and declaring this value (providing £750,000 would be enough to rebuild the property).  This simplifies the application process if you are unsure of the exact value and can also reduce your risk of underinsurance.   
• Help finding out the rebuild value: If you know the rebuild value, you will get a more accurate price.  You can find this information on a recent home buyers report, or if you need a new valuation, Insuristic’s partner Barret Corp Harrington can provide a desktop valuation from as little as £115 + VAT.
• Simplified Property Inspections: Unlike some insurers who require weekly inspections, Insuristic only requires inspections every 14 days on our unoccupied home insurance policy and every 30 for our probate customers. We don’t need complicated reports to evidence an inspection.  We accept photo verification through your mobile phone for added convenience.  Just take one picture of the front of the property and one of a room inside on each inspection.  Keep the photos as in the event of a claim, you will need to provide these pictures to our claims team.
• Cover during minor renovation projects: Planning renovations while your property is unoccupied? Insuristic offers coverage for non-structural renovations costing less than £50,000, at no extra cost.

In-house empty house insurance claims support

If you need to make a claim, don’t worry. You won’t need to spend hours on calls to insurer call centres and go through complicated processes.

Our in-house claims team at SJL Insurance can support you every step of the way, with out-of-hours support night and day, 365 days a year.

They can advise you, help you prepare a claim, manage any loss adjuster involvement, and help you get a fair settlement from your insurer.

So when the worst happens, you can relax with the knowledge that you have support to get your property back to how it was before you had an issue.

Don’t chance it:  Arrange empty house insurance with a specialist

By choosing Insuristic, you can get the short-term empty house insurance you need for complete peace of mind.

Our flexible policies, streamlined processes, in-house claims support, and comprehensive coverage options protect your empty property.

Don’t leave your empty property at risk. Get a free quote for short-term unoccupied home insurance from Insuristic today!