{"id":11507,"date":"2019-03-20T14:22:58","date_gmt":"2019-03-20T14:22:58","guid":{"rendered":"https:\/\/www.securesiteuk.co.uk\/?p=11507"},"modified":"2019-07-19T12:06:07","modified_gmt":"2019-07-19T12:06:07","slug":"what-is-empty-property-insurance","status":"publish","type":"post","link":"https:\/\/www.securesiteuk.co.uk\/what-is-empty-property-insurance\/","title":{"rendered":"What is Empty Property Insurance?"},"content":{"rendered":"\r\n\r\nIf your property is empty and unoccupied, then it may be wise to get your property insured under a specific insurance policy. This applies whether you are simply on holiday or if you are not living in the property, perhaps in the process of selling the property, be it a residential or commercial one.\r\n\r\n\r\n\r\n\r\n\r\nIt is fair to say that it is inevitable that your home will be unoccupied for some period of time during the course of the year no matter the nature of the property.\r\n\r\n\r\n\r\n\r\n\r\nImportantly then, what is property insurance, who is it for, do you need it and what does it do?\r\n\r\n\r\n\r\n\r\n

What is Empty Property Insurance? <\/strong><\/h2>\r\n\r\n\r\n\r\n\r\nEmpty property insurance, also known as \u2018empty house insurance\u2019 or \u2018unoccupied home insurance\u2019 is the insurance policy taken out if your home is going to be empty for a period of time that is longer than your standard home and contents policies policy will allow for.\r\n\r\n\r\n\r\n\r\n\r\nTypically, standard cover on these policies will only provide cover for an empty property for 30 to 60 days. If anything were to occur outside of this time frame, you are unlikely to be covered by those standard home insurance policies.\r\n\r\n\r\n\r\n\r\n
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Empty properties can be more susceptible to damage and vandalism.<\/figcaption><\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n\r\nTherefore, empty property insurance is for when you will be out of your property for extended periods of time. It is important to consider this type of insurance if circumstances dictate, as when you leave your property empty for a prolonged period of time, the risk of things like theft and vandalism occurring greatly increase.\r\n\r\n\r\n\r\n\r\n\r\nAs well as theft and vandalism, an unoccupied property is more susceptible to structural damage such as burst pipes or mould, as there will be no one there on a regular basis to detect this early. This is one of the main reasons why having the insurance in place is so vital as it could save you a lot of money in the long run if something were to occur.\r\n\r\n\r\n\r\n\r\n

What does Unoccupied Home Insurance Cover? <\/strong><\/h2>\r\n\r\n\r\n\r\n\r\nIf you are going to take out unoccupied home insurance for when your home is empty, you may be able to find a policy which covers things like:\r\n\r\n\r\n\r\n\r\n