FLEEA insurance stands for Fire, Lightning, Earthquake, Explosion, and Aircraft impact. It’s the most basic form of cover often included in unoccupied home insurance policies. However, it excludes several common risks like flood, subsidence, theft, escape of water, and malicious damage. For broader protection, consider Insuristic’s Silver or Gold unoccupied home insurance options.
When Insuring an unoccupied home, most insurers don’t clearly label their basic FLEEA policies. These policies typically exclude:
These are some of the most common causes of unoccupied home insurance claims, and FLEEA-only cover means you are self-insuring these risks, often unknowingly.
If you are insuring a mortgaged property, your lender will expect more comprehensive coverage to protect their investment.
FLEEA might appear cost-effective if you fully understand the risks, but it may be unsuitable if you’re:
In these roles, you have a duty of care. If an uninsured loss occurs that could have been covered, you may be held personally liable.
Insuristic offers three levels of unoccupied home insurance: Bronze (FLEEA), Silver, and Gold, so you can match cover to your needs and risk comfort.
If you’re unsure which cover level fits your situation, it’s safer to start with a broader option. A quote from Insuristic takes minutes, and our tailored unoccupied home insurance is ideal for owners, executors, attorneys, and landlords.
Get peace of mind today with cover you can count on.
Specialist cover based on your situation:
Rob Faulkner is a leading expert in executor insurance risk and probate insurance, with nearly 30 years’ experience in the UK insurance market. He is the founder of Insuristic, a specialist provider of probate-related insurance solutions and educational content for executors.
Rob is an ACII Chartered Insurance Broker, a Chartered Manager, and a Member of the Chartered Institute of Marketing. His background spans insurers, brokers, and Insurtechs, always focused on innovation, transparency, simplicity, and fair value.
He’s passionate about helping everyday people, executors, beneficiaries, and law firms choose the right probate property insurance or unoccupied home insurance, without jargon, inflated fees, or hidden commissions.
Rob is especially passionate about product development and improving insurance education through marketing, helping people understand what they are buying. These values sit at the heart of everything we do at Insuristic.
Want to learn more? Visit my author page or follow me on LinkedIn.
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