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Unoccupied Property Insurance

Unoccupied Property Insurance

If you own a property, it may stand empty for several consecutive days, which could invalidate or severely restrict your home insurance or landlord’s insurance. In cases like this, you may typically need unoccupied property insurance (also known as empty property cover or unoccupied house insurance) to ensure your home is still protected against unexpected events that cause loss or damage, such as floods, fire, or theft.

 

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What is Unoccupied Property Insurance?

Unoccupied Property Insurance is designed to protect properties left vacant for an extended period. Standard home or commercial property insurance policies often restrict or exclude coverage if a property is unoccupied for a certain number of days, leaving owners exposed to risks such as vandalism, theft, fire, water damage, or structural issues.

Whether your property is empty due to renovation, sale, probate, tenant changes, or business closure, Unoccupied Property Insurance provides specialist protection to safeguard your investment until the building is back in use.

At Nova Insurance, we specialise in helping customers find a range of low-cost insurance solutions for both businesses and individuals, including competitive quotes for unoccupied property insurance and unoccupied house insurance. Each day, we work closely with our trusted partners to secure the best deals across a wide range of covers, including tradesman liability, salon, shop, and property insurance.

 

Unoccupied Property Insurance Frequently Asked Questions

Unoccupied Property Insurance Frequently Asked Questions

Here are some frequently asked questions that you may find useful to review before getting an unoccupied property insurance quote. Don’t forget, our knowledgeable and friendly UK-based team are on hand for any questions you may have.

How to insure an empty house during probate?

It is the responsibility of the executor/administrator to protect the deceased’s assets, and they must arrange appropriate probate house insurance. You need specialist cover, often referred to as unoccupied property insurance or empty property insurance.

What does unoccupied property insurance cover?

Unoccupied property insurance covers your property if you need to leave it vacant for longer than your standard home insurance allows. You’ll normally need to arrange unoccupied property insurance if your home will be empty for 30-60 days or more, but policies vary, so check your terms to be sure.

How can Nova Insurance help?

If at any point you have any questions about the types of property insurance our partners offer, or what information you need to provide when requesting a quote, please feel free to get in touch with us. One of our friendly customer service team members will be happy to help.

How can i compare unoccupied property quotes?

Once you have received property insurance quotes from our range of professional brokers, you will have the opportunity to compare each one in detail and decide which one is right for you. Even though all our partners offer high-quality, comprehensive property insurance, some policies may suit your needs better than others. If at any point you need to amend the information you provided us, or would like to compare additional property insurance quotes, please just let us know or fill out our online quotation form. At Nova Insurance, we make finding property insurance as easy as one, two, three – so make sure you fill out our quotation form today.

What to consider when getting an unoccupied property insurance quote?

Purchasing property insurance shouldn’t be something that you rush into, as without the right level of cover, you could be left vulnerable. For instance, if you rely on your property to run your business, then you need to make sure that your cover protects the type of building you own and potentially includes public liability insurance in case one of your employees is injured at work. At the same time, if you are purchasing property insurance as an individual, you may want to take a closer look at your options when it comes to contents insurance – after all, property insurance is there to protect the things you love the most.

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