![How Insuristic Makes Short Term Empty House Insurance Easy 1 Short Term Empty House Insurance](https://insuristic.co.uk/wp-content/uploads/2024/07/Short-Term-Empty-House-Insurance.webp)
Insuring a home when it is occupied regularly is pretty straightforward. There is plenty of choice of insurance providers online or via your insurance broker.
But what happens when your home or another property is empty for a while?
Standard home insurance policies in the UK typically only cover unoccupied properties for up to 30 consecutive days. Any longer, and they may refuse to continue cover on your property or apply a mix of reduced cover, increased excesses, and price.
This is because an empty house is a higher target for theft and vandalism. But there’s more to worry about than just break-ins.
Unoccupied properties are also at a greater risk of damage caused by burst pipes, leaking roofs, or even weather events. The consequences can be severe if someone does not identify and address the problem quickly.
This is why most standard home insurance providers aren’t keen on insuring unoccupied home insurance and why those that do might only provide basic cover.
The amount of cover you can buy varies by insurance provider, which might make it difficult to compare on a like-for-like basis.
Some providers might only offer basic cover for damage caused by fire, lightning, earthquake, explosion, and aircraft, often referred to as FLEEA insurance cover.
This level of cover might be risky for executors and other people with a legal responsibility to insure property, such as executors, solicitors acting as deputies or someone with a power of attorney. Underinsurance can result in liability and financial losses for people with this responsibility. We wrote an article called FLEEA Insurance Cover and the Risks, which might be helpful.
If you insure with Insuristic, we have 3 levels of cover to choose from (Bronze, Silver and Gold), meaning you can buy broader cover tailored to your circumstances.
When it comes to it, most people have never insured an empty property before. Knowing how long the property will be empty can also be tricky, so insuring empty property on a short-term basis can be helpful.
If your current provider doesn’t offer this, you can look for specialist short-term unoccupied home insurance providers like Insuristic.
Rather than buying an annual policy, paying monthly (which often incurs interest charges) until you need to cancel, which, as I have already suggested, could incur cancellation charges, can cost more.
Instead, you can buy short-term unoccupied home insurance for three, six, or nine months.
If you need to extend the cover, you can buy another policy, particularly as all insurance providers still have to provide you with a renewal notice on short-term policies.
Here are some common examples of when people need to arrange short-term unoccupied home insurance:
Insuristic makes it easy to buy a policy online in a couple of minutes.
We have developed two policies (follow the links to get a quote):
You can buy cover from three months to a year and have three levels of cover to choose from.
We won’t charge you to cancel a policy early and provided you haven’t made a claim you will receive a refund for any unused cover.
Lastly, if you need to make a claim, our inhouse claims team at SJL Insurance will help you every step of the way.
Hi, I'm Rob, CEO and Founder of Insuristic. My mission is to make insurance easier to understand and buy online.
I hold an Advanced Diploma in Insurance (ACII) which demonstrates I have a solid technical understanding of Insurance and have committed to continuous professional development. I am also a member of the Chartered Insurance Institute and hold the a Chartered Insurance Broker status.
Over the last 27 years, I have worked for insurers, insurance brokers and insurance technology businesses, specialising in product, sales and marketing.
You can find out more about me on my author page.
Insuristic Limited is an Appointed Representative of SJL (Worcester) Ltd, who are authorised and regulated by the Financial Conduct Authority with the reference number 763599. This can be checked by visiting https://register.fca.org.uk/s/.
Registered Office: Unit 2, 262 Walsall Road, Cannock, England, WS11 0JL. Registered in England and Wales No: 13926650.
Insuristic is a registered trademark. ©Copyright 2023 Insuristic Limited. All Rights Reserved.