What Are The Issues For Solicitors & Others With Responsibility For Insuring Unoccupied Property?


August 2016

There are over 600,000 unoccupied homes in the UK, all unoccupied for many reasons. The property may be awaiting sale or probate, and in some cases the owner may be in hospital or a nursing home for the foreseeable future.


The property may already have insurance cover in place, but the existing policy is unlikely to cover extended periods of unoccupancy. If that’s the case it’s essential that you obtain specialist unoccupied property insurance, if a property is going to be unoccupied for any length of time.


Many standard household policies will only give cover for short periods of unoccupancy. If you are responsible for someone’s affairs such as a relative who is moving into residential care, the property will no longer be considered occupied by insurers. Most insurers will restrict cover or even cease cover when a property becomes unoccupied. This is because when claims occur in an unoccupied property, they can often go undetected, and then become far more costly than standard home insurance claims.


It is important to check the existing policy terms and conditions and notify the insurer as soon as the property becomes empty. Specialist unoccupied property insurance is available, and depending upon the situation will provide wide cover, without the restrictions that the household insurer may impose.  


If you are a solicitor involved in probate or another party looking after someone’s affairs and have questions about unoccupied house insurance, please get in touch. We have access to a range of specialist insurers and it is not always necessary to take out a policy for the whole year. Policies for 3, 6 or 12 months are available.


For more information or to obtain a quotation, Sheila or Tracey at our Folkestone Office would be pleased to hear from you with your enquiries for unoccupied property insurance. They can be contacted on 01303 290860.


Alternatively, if you wish to obtain a quotation online, please visit our quote and buy facility https://goo.gl/iPcfOk




What Are The Issues For Solicitors & Others With Responsibility For Insuring Unoccupied Property?


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