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Some insurers enforce a 30 day rule where insurers stop covering a property left unoccupied for more than 30 consecutive days.
House insurance unoccupied more than 60 days. Your home insurance policy will probably state that you need to inform your insurance provider if your home is going to be unoccupied for more than 30 consecutive days. If you know your main home will be unoccupied for more than 60 days just let us know so we can make sure your cover isnt affected. If youre planning on going travelling or working away from home and wont be returning until later than your insurers unoccupancy limit its important to inform your insurer to avoid any nasty surprises should the worst happen. All you have to do is select unoccupied while completing a quote or contact your current insurer.
In the event of a home being left unoccupied for more than 60 days providing that they are informed the bank will provide cover for an increased premium as this reflects the additional risk and as long as the customer adheres to the below points. A home is generally considered unoccupied after 60 days but this differs from insurer to insurer so its best to check. When notifying your insurance provider youll need to explain why your home is going to be unoccupied and for how long. In the event that your home becomes permanently unoccupied you would need to seek specialist insurance as were unable to provide cover for vacant properties.
I cant ask for you as hes away now unfortunately. Thanks for the answers so far. 14 october 2008 at 413pm. 2 coins savings club 2012 is 4.
In insurance terminology an unoccupied property one left empty for 30 to 60 days is not covered for certain insured perils. A friend of mine works abroad and he has house insurance that covers his house being unoccupied for more than sixty days. Unoccupied home insurance covers you when your home is empty for longer than your standard policy will allow. Sainsburys home insurance provides 60 day unoccupancy cover as standard.
You only normally get cover if your home is empty for up to 60 days and if anything happens outside this period you wont be covered. If you dont your policy might be voided. What is short term unoccupied home insurance. 14 october 2008 at 413pm.
Looking for unoccupied home insurance. If you own a property that will be empty for a long period of time use this comparison to find unoccupied home insurance quotes. In laymans terms that usually means theft attempted theft malicious damage and water damage.