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Unoccupied home insurance

Some people's lifestyles mean that leaving property vacant is a necessity for them; holiday homes and second properties, former business-units and tenantless premises inevitably fall out of use from time to time, while unfortunate circumstances, like the hospitalisation of the owner, can also leave property unoccupied. Properties awaiting probate, sale or occupation (following sale) are often left empty too.

Whatever the circumstance, usually, any property that is left vacant for 30 days or more is considered an unoccupied property in the eyes of an insurer.

Obviously, when your property is left unoccupied, there is an increased chance that burglary or vandalism may occur; while relatively small faults, like leaking pipes or subsidence, can go unchecked and soon turn into major problems.

If you take out an unoccupied home insurance policy with Towergate Connect, you will benefit from our experience as a leading home insurance specialist and our professional, friendly staff are always willing to help.

Key features of unoccupied home insurance

• Flexible policies for 3, 6, 9 and 12 months at a time - so you are only paying for the cover you need
• Instant cover available online or over the phone (please note due to legal reasons, if you are the main executor of the unoccupied property or have power of attorney, you must purchase over the phone)
• Protection against vandalism
• Cover for damage caused by water or subsidence
• Total value of contents can range from £1,000 to £15,000
• Property owners liability cover of up to £2 million
• No single article limit - ideal if you are not sure how much an item is worth

Key exclusions of our unoccupied home insurance

• The property must be in a good state of repair. Properties should not be boarded up and should appear tidy from the outside
• All properties must have window locks and five-lever mortise deadlocks *
• Major works e.g. extensions, structural repairs. Roofing can be considered for limited perils only
• Damage caused by contractors (contractors should have their own insurance)