Unoccupied Property Insurance

Getting unoccupied property insurance cover can be difficult as not all insurance providers will cover an empty house, buildings, all unoccupied properties insurance requirements. Being a specialist in letting and commercial property insurance, letprotector satisfies a wide portfolio of clients.

Standard Unoccupied Cover

• Our affordable unoccupied property insurance automatically includes Fire, Lighting, Aircraft, Explosion, Subsidence, Landslip & Heave
• Property Owners Liability £2,000,000

Optional Extensions

• Cover can be extended to include malicious damage, flood and storm when unoccupied

Unoccupied Insurance Features & Benefits

• Cover available for unoccupied properties pending sale and renovation
• No time restriction for the period the property is left
• Up to 20% No Claims Discount
• If the empty property becomes occupied at any stage cover can remain under the same policy number.

 

Why Choose Us For Your Unoccupied Property Insurance?

• Affordable unoccupied property insurance premiums
• Instant quotes, cover and documentation
• Hassle free claims handling
• Easy payment options

Cover can also be customised dependant on the circumstances, even the standard policy will automatically cover a landlord/property owner for liability up to £2,000,000. Additionally you can expect to be protected from Lightning, Aircraft, Explosion, Subsidence, Landslip, Heave and Fire.

Insurance for unoccupied property is usually considered a greater risk to insurers because the facilities inside the empty property are not subject to regular checks, there is also the risk of vandalism and fires.

Fire damage is an important consideration as the effects of this can be devastating to the property owner. Outbuildings such as garden sheds and wooden garages are particularly susceptible to fire. This may sound obvious but there is always a risk of fire spreading to the main residence if in close proximity.

The letprotector unoccupied properties insurance policy is designed to provide cover for empty properties undergoing refurbishment or renovation. In the event a property is pending sale or just simply awaiting occupation, it’s taken care of under the standard policy.

There are many options available for cover over and above the standard policy. As specialist insurers we are happy to advise you on the best options to meet your needs.  Please call us on 0845 226 85 59 to ask any questions or discuss your empty property insurance requirements in more detail.

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