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Unoccupied House Insurance

Get Truly Heroic Protection For Your Unoccupied Property

Leaving your home alone for an extended time? Suffered a bereavement that has left a property empty? You’ll need to take out unoccupied house insurance if your home will be vacant for longer than your home insurance allows (usually 30-60 days).

We can help you find comprehensive unoccupied property insurance at a competitive price, protecting your property when it’s vulnerable and your existing insurers may not be able to provide you with the best solution.

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Who Needs Unoccupied House Insurance?

Protect Your Property Even When It’s Empty

Empty house insurance is there to give you financial security in the event of things like accidents, weather damage and theft while your property is vacant. This could be due to buying a second home, death of the previous occupier, a pending sale or let or you’ll be going away for an extended time.

Whatever the reason, if you expect your property to be unoccupied for more than 30-60 days, your regular home insurance may not provide coverage. It’s important to obtain unoccupied house insurance to ensure you have the level of coverage you need, even when your house is empty.

Why do you need Unoccupied House Insurance?

Essential Cover Tailored To You…

Everyone who is leaving their home empty for a longer time should get vacant house insurance. This means you’ll be protected if the worst happens, like fires, break-ins or burst pipes, to repair or replace what’s damaged or lost.

If you don’t get unoccupied insurance, you’ll be the only one liable to pay to get things back to normal if something goes wrong while you’re away from home. This isn’t financially realistic for most people – imagine the cost of replacing all of your tech after a robbery or paying to rebuild your entire kitchen in the event of a fire – it’s more than most have squirrelled away.

At Orwell we can provide short term policies, catering to the length of time that your property is unoccupied so you can feel assured that your property is covered. Looking for the best price possible? We’re able to negotiate lower premiums with our insurer partners to ensure every detail of your cover is exactly as you want it.

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Financial Security When You’re Away

Whether you’re staying in a holiday home, out of the country for work or working on renovations while living elsewhere, your normal house insurance likely won’t cover you if your property is empty for more than 30 days. Unoccupied house insurance bridges this gap and gives you that much-needed financial security while you’re gone.

Safeguarding Your Property As Long As You Need

Keep worry at bay while your property is unoccupied with a policy term that’s tailored to your needs, with a competitive premium to boot. Whether you need one month, four months, six months or twelve months of cover, we can get you covered to your exact requirements without fuss.

What Does Unoccupied House Insurance Cover You For?

Empty house insurance is there to shield you from financial issues if something happens to your home while it’s unoccupied.

It’s important to know exactly what your insurance protects you against. Let us know exactly what you want included in your cover, and we can adjust your policy level, but here’s an overview of what your insurance will and won’t cover you for…

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)
Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.
Accidental damage to buildings and/or contents
Accidents to domestic staff – your liability for bodily injury to your domestic staff
Public liability – your liability as a private individual and as owner or occupier of the home for the bodily injury or property damage done to another person or property while they’re in your home
Loss or damage caused by Fire, Lightning, Explosion and Aircraft only

What’s Not covered

Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering or the mechanical or electrical failure of a television)
The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)
Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories
Any property held or used for business purposes
Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you
Any risk where the losses are cyber-related, arising from either malicious acts (e.g. cyber-attack, infection of an IT System with malicious code) or nonmalicious acts (e.g. loss of data, accidental acts or omissions) involving either tangible or intangible assets
Infectious or contagious disease