What is unoccupied home insurance?
Unoccupied home insurance is a special type of cover that protects your property when it is left empty for longer than your standard home insurance policy allows.
This type of cover protects your home against the increased risks associated with leaving your property unattended.
Get a Unoccupied House Insurance Quote
When might I need vacant house insurance?
You’ll usually need specialist home insurance for an empty property if you’re leaving your property empty for 30 days or more as most standard home insurance policies will only cover a property if it’s unoccupied for less than 30 days.
Whatever your reason for vacating your house, we can cover you. Some of the most common reasons include:
- Awaiting sale on the house
- Undergoing renovation or construction
- Your home is under probate
- Bought a property to let but it’s currently unoccupied
- Property is a second or holiday home and is left vacant when not in use
- You’re going away on business or on an extended holiday
What does vacant property insurance cover?
As a specialist unoccupied property insurance broker, we work with a number of different insurance companies to cover your property. This means that we can cover a wide range of things depending on your needs, including:
- Damage caused by attempted break-ins
- Stolen property
- Fire damage
- Storm damage
- Leak or flood damage
- Vandalism damage
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of .
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
Get a Unoccupied House Insurance Quote
Can I get short-term unoccupied house insurance?
Yes, we offer flexible cover for 3 months, 6 months or annual policies if you’ll be away for a while. Just let us know when you’ll be vacating the property and when you’ll be back and we can arrange short-term cover.
I was struggling to get buildings and contents cover because I was planning a three-month extended holiday, leaving my home unoccupied. But Adrian Flux were able to provide me with unoccupied home insurance where other companies could not.
How much is empty property insurance?
The cost of your vacant home insurance will vary depending on a number of factors, but rest assured that as a specialist insurance broker, we’re often able to find affordable insurance deals where others cannot. Factors include:
- How long you’ll be gone
- The type of cover you take out
- The value of your property
- Your property’s location
- Your home’s security
My home was still in the course of construction, and had been for the previous 12 months, and I needed £100,000 of buildings cover for the unoccupied property. It had only minor fixtures and fittings to be completed and then would become a permanent home. I knew that it might be difficult to get cover for an unoccupied property, but Adrian Flux gave me a quote of only £190.
Get a Unoccupied House Insurance Quote
Why choose unoccupied home insurance with Adrian Flux?
Our policies can be tailored to your needs and budget. Cover can include:
- Portfolio insurance (i.e. unoccupied property cover for several houses)
- Legal cover of up to £50,000 for just £14.99 extra a year
- Counselling support available
- Discounts for extra security features such as alarms and security locks
- Discounts for combined buildings and content cover
- Different levels of cover to suit your individual circumstances
- Policy length can vary depending on your needs
FAQs
Do I need to tell my insurance provider that my property is unoccupied?
Yes, you should let your insurance provider know if your property will remain unoccupied for 30 days or longer. It’s a good idea to check your policy to see if your standard home insurance policy will cover you – if not, it’s a good idea to consider specialist unoccupied homeowners insurance.
Do you offer landlord insurance for unoccupied properties?
Yes, we can provide you with landlord insurance for your unoccupied property, whether you’ve only just recently purchased a buy-to-let property or you’re in between tenants. We can even offer unoccupied rental cover for a portfolio of houses that are currently vacant – phone us to find out more.