If you own a property in the UK that will be left unoccupied for an extended period of time, it’s important to consider getting unoccupied home insurance. This type of insurance policy is designed to provide cover for properties that are not being lived in, whether that’s because they’re undergoing renovation work, awaiting sale or letting, or simply because the owner is away for a prolonged period of time.

Some of the key reasons why you might need unoccupied home insurance in the UK include:

1. Protection against theft and vandalism
An unoccupied property can be a tempting target for thieves and vandals, particularly if it looks like nobody is monitoring it. Unoccupied home insurance can provide cover for damage caused by theft or attempted theft, as well as damage caused by vandalism or malicious acts.

2. Cover for damage caused by weather events
Even if your property is unoccupied, it is still vulnerable to damage from severe weather events such as storms or floods. Unoccupied home insurance can provide cover for damage caused by these types of events, ensuring that you’re not left out of pocket if your property is affected.

3. Protection against accidental damage
Accidents can happen at any time, and an unoccupied property is no exception. If your property is accidentally damaged while it’s unoccupied, you could be left with a hefty repair bill. Unoccupied home insurance can provide cover for accidental damage caused by events such as fire, water leaks, or even accidental breakages.

4. Liability cover
If someone is injured or their belongings are damaged while on your unoccupied property, you could be held liable. Unoccupied home insurance can provide liability cover, protecting you against any claims made against you.

5. Peace of mind
Perhaps the most important reason to consider unoccupied home insurance is simply for peace of mind. Knowing that your property is protected against a wide range of risks can help to ease any worries you may have about leaving it unoccupied for an extended period.

It’s worth noting that different insurance providers may offer different levels of cover. It is important to read the terms and conditions of any policy carefully before taking it out. Some policies may have restrictions on the length of time that a property can be left unoccupied, so make sure that you’re aware of any restrictions before making a decision.

In conclusion, if you own an unoccupied property in the UK, it’s worth considering unoccupied home insurance to protect it against a range of risks. Whether you’re renovating, selling or letting your property, or simply away for an extended period, this type of insurance policy can provide valuable peace of mind and financial protection.

At 1st Choice Insurance, we can help you find the right cover for your property. Call our friendly, experienced team on 01743 770500 for a no-obligation quote or simply fill out our get a quote form.