Article by Michael Markey
Most insurance companies will ask the question at application stage,as whether you intend to leave your property unoccupied for more than 30 days.After 30 days of an empty property,most insurers will not cover a claim after the 30 days have expired.However some insurance companies will allow 60 days for unoccupied,if you are not sure check with your insurer.If you are certain that you will not be resident in your home for more than 30-60 days,you will have to consider taking out specialist insurance for unoccupied home insurance.There are specialist insurers that will offer specific cover for this type of cover.It might be wise to seek professional advice and again there are specialist brokers that can do this for you.There are many examples of when you may require vacant property insurance.It could be that you are getting divorced and the house has been left empty,you could have inherited a property from a deceased relative and nobody is resident,you may have moved away to take another job and left your home vacant.These are some examples of why you may require this type of insurance cover,there are many others.Please also remember to inform postal and utility providers that you are no longer present at the house.You do not want mail mounting up,which could lead to criminals becoming aware the property is empty.Make sure if the property is alarmed,that the alarm is in full working order.Finally if you are unable to make regular checks on the property,ask someone you trust to check the property on a regular basis.When taking out unoccupied house insurance,remember to ask questions if you are unsure of anything on the policy.Check any exclusions and any excess that may be deducted in event of a claim.In other words fully understand what you are covered for and what you are not.If you take all of the above actions,you will ensure that in the event of a claim,you will have the correct cover and provided the risk is covered,you will be confident of making a claim if the need arises.Looking to insure your house whilst it is unoccupied,Michael Markey offers general advice as well as competitive insurance deals for vacant house insurance.
About the Author
Michael Markey provides advice and tips on specialist insurance needs.http;//www.specialistinsuranceuk.com