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.
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Hi, I'm Rob Faulkner, CEO & Founder of Insuristic.
I’m passionate about simplifying insurance to help everyday people, executors, beneficiaries, and law firms confidently choose the right probate insurance or unoccupied home insurance policy, without jargon, big commissions, or unnecessary fees that inflate your costs.
As an ACII-qualified Chartered Insurance Broker with nearly 30 years of experience, I’ve led product innovations at insurers, brokers, and Insurtech firms, developing solutions that make insurance simpler and more transparent.
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