Needs for Unoccupied Property Insurance

Dover Insurance Services offer unoccupied property insurance on empty or vacant houses and buildings that are now no longer occupied for one of several reasons.

• A previous owner may have died and the property is now up for sale so that the proceeds are added to the estate. It is the responsibility of the executors to ensure that there is unoccupied property insurance on the empty house in place.
• Your building may have just been purchased and you have not yet found a tenant and is empty - in this case the property may become occupied after a few weeks - or remain vacant for a longer period. There is a need for unoccupied property insurance until the new tenant moves in.
• Your property may be just unoccupied between tenancies when the current insurance expires and the current insurance company does not wish to insure the property.
• Your property may be in need of renovation before becoming suitable for a tenant - in this case the unoccupied property insurers may need details of the type of renovation and the estimated period before quoting.
• Your property may have been purchased with the intent that the owner will move in at a future date - after repairs have been done, or the owner has sold their old home.

Difficulties Obtaining Unoccupied Property Insurance

Direct companies do not like offering insurance for unoccupied properties because they perceive the risk to be substantially greater but Dover Insurance Services can help.

Unoccupied properties may be let in the future on a commercial basis which many house insurance companies do not wish to insure. A lot of insurers do not like to cover properties let out and will therefore not cover the unoccupied property. Contact Dover Insurance Services as we can get this cover for you.

There are greater risks attached to unoccupied property that is empty.

There is not usually someone in so if damage does occur then it may not be spotted for some time and additional damage may occur.

Unoccupied properties may be more likely to be vandalised. For example bricks thrown through windows, burning rags pushed through the letter-box or squatters may move in. Dover Insurance Services have companies willing to provide cover for these risks though.

Cover Available for Unoccupied Property Insurance

Cover may be restricted to 'Fire Lightning, Explosions and Aircraft' - FLEA cover.

Cover for the 'wet perils' can also be included - storm, tempest, escape of water.

Malicious damage can also be covered.

Contact Dover Insurance Services for a Quote