Unoccupied property insurance for empty homes and vacant property does, from time to time, become a requirement for a variety of reasons such as property
pending sale/let, undergoing renovation or pending owner occupation. Often existing home insurance providers simply lapse insurance cover, creating a difficult
problem for property owners, so get a quote from Click4quote, we are experienced unoccupied home insurance providers.
For over 10 years, the established Unoccupied Property Policy has been successfully meeting property owners' needs for buildings and contents insurance for empty
property.
There is a standard excess of £250 for empty residential properties, which can be increased up to a £1,000 for a 10% discount on the premium - available now
by calling one of our advisors.
An additional benefit of this policy is that it may be changed to an occupied let status usually without any additional charge.
Specialists in unoccupied property insurance, we offer a continuous policy that you may add and subtract properties to subject to one property remaining covered by the
policy at all times.
We offer UK unoccupied property insurance quotations for a variety of situations where homes may become empty, these include:
Pending Sale:-
You may have been letting the property and have decided to sell. The property may sit unoccupied while a purchaser is found or the sale is completed - so unoccupied
property insurance is required.
In the sad event of the owner passing away, this will lead to a period in which empty house insurance would be required by executors of the estate until a decision over
the future of the property is made.
As a property developer you may have purchased an unoccupied home and have renovated the building and require cover while the property is being sold. We would also be
able to offer terms for property insurance whilst it was undergoing some renovation. Cover available is dependant on the details of the renovation and the estimated period
of unoccupancy.
Pending Occupancy:-
The property may be unoccupied between tenancies when your current insurance expires and the provider does not wish to insure the property as you have no confirmed tenants
for the future. We will initially offer to cover your property under our unoccupied property insurance and can then seamlessly transfer you to our
let property insurance policy.
The building may have just been purchased by a new landlord who has not yet found a tenant for the house - in this case the property may become occupied
after a few weeks - or remain vacant for a longer period. There is a need for unoccupied property insurance until the new tenant moves in
If the occupant temporarily requires specialist care and the home becomes unoccupied for an unknown period we can offer both buildings and contents insurance for vacant
houses in these circumstances.
The property may be a buy to let purchase and needs slight modernisation before letting, for example painting, new carpets, new bathroom.
Select either building insurance cover on its own or choose buildings and contents cover together as we recognise that it can be very difficult to
obtain unoccupied contents cover on its own.
When your property becomes occupied you can switch your cover to our competitive homeowner insurance policy. With our home property policy would can select the cover
that is suitable for you so you do not end up paying for cover that is in excess of your needs.
Choose Click4quote cheap unoccupied property insurance because:
- No administration fees for setting up your policy, or mid-term amendments
- Highly commended claims service from Towergate
- 24hr fast-track service for claims under £1,000 (conditions apply)
- Excellent customer service with friendly and polite UK based advisors
- Specialist UK unoccupied property insurance providers
- Variety of unoccupied reason accepted and covered, e.g. pending let, pending sale etc.
- Arrange your low cost unoccupied property insurance online or by phone