If you decide to leave your property vacant for a considerable amount of time, say at least four weeks or even more then you will need to consider the options. Forget about your normal policy as you will have to purchase this particular type of special policy in order to insure your existing vacant property. After all there may be a number of different reasons as to why properties may remain vacant for long periods.
Firstly, you may be in the middle of moving to a new home and patiently waiting for your previous home to be sold or in some cases be rented out. It may apply to some people who might be inheriting somewhere but are in the middle of waiting for the paperwork to go through before someone can obtain the keys. In the majority of cases, your usual bog standard policies proclaim that a home should not be vacant for more than a 30 day time period.
In this way there are a range of companies who fear that properties are empty for even longer period. This could mean empty occupancy for six months, twelve months or even more. Therefore, these particular properties might be prone to thieves who might break in as they may be aware that someone might have moved out.
So what are the benefits when it comes to unoccupied house insurance? The main elements to this policy are cover which will protect your against the hazards of fire or dangerous weather elements such as an earthquake or even lightening!There are also extra coverage policies which will protect you for contents, theft and even subsidence. You can also have financial protection on a policy if, for example, a pipe fell onto a car which was parked outside or even if there was a blast outside the home and people were injured as a result.
Firstly, you may be in the middle of moving to a new home and patiently waiting for your previous home to be sold or in some cases be rented out. It may apply to some people who might be inheriting somewhere but are in the middle of waiting for the paperwork to go through before someone can obtain the keys. In the majority of cases, your usual bog standard policies proclaim that a home should not be vacant for more than a 30 day time period.
In this way there are a range of companies who fear that properties are empty for even longer period. This could mean empty occupancy for six months, twelve months or even more. Therefore, these particular properties might be prone to thieves who might break in as they may be aware that someone might have moved out.
So what are the benefits when it comes to unoccupied house insurance? The main elements to this policy are cover which will protect your against the hazards of fire or dangerous weather elements such as an earthquake or even lightening!There are also extra coverage policies which will protect you for contents, theft and even subsidence. You can also have financial protection on a policy if, for example, a pipe fell onto a car which was parked outside or even if there was a blast outside the home and people were injured as a result.
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