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Unoccupied home insurance UK

Standard home insurance policies require that the property is not left empty for longer than a certain period of time (often 60 days, but check with your own policy). For longer periods between occupations, it’s necessary to have specialist cover to protect your house while it’s empty. So, whether you’re going on extended travels, or you’ve bought the property but are not moving in yet, or for another reason, compare unoccupied home insurance quotes with Apricot today. You can request a quick quote online, or give our experienced team a call.

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Unoccupied home insurance UK

You might need unoccupied home insurance if you are a UK homeowner. Terms and conditions apply about who needs this insurance cover and why. This page should tell you all you need to know about unoccupied home insurance.

What is unoccupied home insurance?

This is a type of insurance that homeowners or landlords need to take out when a home is left unoccupied. It may be that you live abroad a few months of the year, or it could be that you are staying with family. Either way, when you leave your home unoccupied for longer than a month, you will require special coverage to protect your home.

What does unoccupied home insurance cover?

UK unoccupied home insurance covers both your building and its contents while you’re away. The cover is for protection against damages. For example, if someone smashes your window or should a pipe leak, you will be able to recover your losses. Unoccupied home insurance covers your home against any damages to the property or its contents while you are away.

When do you need unoccupied home insurance in the UK?

You will only need this type of cover if you are away from your family home for extended periods of time. The home must be vacant for longer than 30 days for it to be an ‘unoccupied’ home in the eyes of the law.

When do you need unoccupied home insurance in NI?

The rules for unoccupied home insurance in Northern Ireland are the same as they are for the UK. You can take out this type of insurance cover when you are away from your home for longer than 30 days. You do not need this cover if there is another occupant still living at home.

Is it the same as unoccupied commercial property insurance?

Technically, the two types of insurance are similar. Commercial unoccupied property insurance covers retail establishments like shops or offices. Unoccupied home insurance is the same, except it applies to your home instead of your business.

Is it a legal requirement?

Unoccupied home insurance is not a legal requirement. However, if you have a building filled with your treasured possessions, it makes sense to have those items insured.

What other types of UK home insurance might you need?

Homeowners might benefit from home contents and building insurance.

Doesn’t standard home insurance cover an empty property?

Standard home insurance may cover a property that is vacant for up to 30 days, but never beyond 30 days.

Do landlords need unoccupied home insurance?

Landlords need unoccupied commercial building insurance as opposed to the home insurance version. They may also wish to take out landlords house insurance.

How much does unoccupied home insurance cost?

The quickest way to find out how much unoccupied home insurance costs is to search online for quotes.

Where can I get unoccupied home insurance quotes online?

Here at Apricot Insurance, we offer unoccupied home insurance quotes in seconds. We have a great network of insurers that we work with so we may be able to find you a great deal! It’s fast and easy to search with Apricot.