Unoccupied Property Insurance policies will often require you to meet certain requirements - these are often known as "Unoccupied Warranties" or "Unoccupied Building Conditions". For example, draining the water systems, switching off the utilities, documented visits on a weekly basis, installing certain locks, sealing the letterbox, etc. Failure to comply could lead to a claim being turned down. Insuring a property that is going to be unoccupied or is going through probate, trust or deputyship can be different to taking out standard home insurance.
Specific conditions to comply with
Some insurers put in stringent terms (“Unoccupied Building Conditions”) which must be enforced before they will provide cover. If these conditions are not complied with then it could affect any claim. Guardcover offers, possibly, the most flexible cover for properties unoccupied for less than 12 months, with choices of conditions and premium discounts for certain types of properties. It is worth noting that insurance policies can sometimes include specific endorsements that you need to understand. These are different to the 'Warranties' and these would be made clear to you at the time of your quote.
What is insured
Again, some unoccupied property policies and a number of standard home insurance policies may offer reduced cover, so your buildings and contents may only be covered in the event of damage caused by fire, lightning, earthquake or explosion (sometimes known as ‘FLEE’ cover). With Guardcover, we offer a wide-range of cover as standard which can help to give you peace of mind around your property. In addition, your property will be automatically covered for damage caused accidentally as well as by theft, attempted theft, malicious damage, storm, flood, escape of water/oil, falling trees and subsidence, landslip or ground heave.