Insurance cover for unoccupied properties
Unoccupied property insurance from Towergate Insurance is
suitable for properties which may be left vacant for 30 days or
more. Our cover is flexible - you can choose between our 3, 6, 9
and 12 month insurance policies, so you are only paying for what
you need.
Key features of unoccupied property 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
- 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
Why choose Towergate Insurance for your unoccupied property
insurance?
You will benefit from our 20 years of experience as a leading
insurance specialist and our professional, friendly staff will help
you find the right unoccupied home insurance.
We offer good value insurance; other insurers may be cheaper but
lower levels of cover can leave you open to risk. Often insurers
won't provide full cover while a property undergoes renovation or
refurbishment, whereas in most cases we offer extensive cover.
You may find that the property is vacant and requires unoccupied
property insurance because:
- The property is awaiting probate
- The property is awaiting sale or occupation
- The property is awaiting or undergoing refurbishment or
renovation
- The property is left vacant due to the owner being at a second
property or abroad, hospitalised or taken in to care
Properties awaiting probate
We can arrange insurance cover for unoccupied properties being
dealt with by executors, solicitors and administrators of
estates.
We understand that there's a lot to do following the death of a
relative or friend which is why we don't ask you to value
individual items. Also, we leave you to choose whether you want to
insure the total contents for as little as £1,000 or as much as
£15,000.
Exclusions
- 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 5-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)
- The first £250 for all claims, £1,000 for
subsidence/heave/landslip claims and £1,000 for escape of water
claims (unless the heating is left on, in which case the excess
is increased to £2,500)
