Insurance Info

The United Kingdom has different policies when it comes to times when you have to leave your property unattended. This is an excellent way to ensure that your property is safe from any kind of misfortune that could occur while your not there. This insurance policy is not included in the normal home insurance policy or is not even a part of it. Therefore if an individual has to leave his home unattended for any reason he will have to apply for his empty property insurance.

The policy ensures that the empty property is protected against any kind of vandalism, theft, floods, fires or acts of God. Before taking an insurance policy for your vacant property, most would wonder for how long does the property need to be vacant for the policy to be applicable. In fact the policy depends on the reason why that particular individual has left is unoccupied. Continue reading ‘Empty Property Insurance – Insurance That Will Help You’ »

Insurance for unoccupied property in the UK is definitely very different from the standard home or building insurance policy. It is a non-standard type of insurance as the UK companies that make such insurances take into an account various circumstances. Often people might get surprised when they find that their ordinary home insurance policy does not cover the situation when the property has no occupant.

One of the first questions that arise in the process of getting an insurance policy for such type of property is for how long the property is supposed to be unoccupied. This depends mostly on the reason why the property is considered unoccupied.

Such reasons might be: the building might be empty because it is in a probate, the owner renovates it in order to sell it, there might be some construction works that expand the house, the house is prepared for tenants or the property is bought as a vacation or holiday home.

The majority of these reasons require a cover for a short period (no more than 30 days) and this is the most wanted type of unoccupied home insurances in UK. After that period the insurance usually could be transformed into a normal building insurance if the house gets occupied. Continue reading ‘Unoccupied Property Should Be Insured Too’ »