Cover for unoccupied property can be a problem, Coversure Leicester can offer insurance for your unoccupied property.
If you own a property that is unoccupied, you can have difficulty trying to get a realistic quotation to insure it. Many insurers will not provide insurance cover for an unoccupied building, but there are specialist products to ensure you get the maximum amount of cover at a realistic price.
Insurers can view an empty property as a higher risk than an occupied property because there is no one about, should a problem arises. To include theft, malicious damage, storm and escape of water – perils which may be excluded from most policies.
Do not be fooled into thinking that your unoccupied property is covered under a household policy, because there is a good chances it isn’t. Most household policies only offer 30 days unoccupied cover a year at most, before the policy becomes void.
Most people with empty property only want short term insurance cover because they are selling their property or waiting for tenants. But insurers prefer to sell a 12 month policy whilst many try to avoid selling short term policies. So if the customer cancels a policy early they can end up being out of pocket if you buy the wrong policy to start with. This also means some companies will not offer instalment plans for these policies, or will only provide cover with a large deposit up front.
If you need empty house insurance, things can prove difficult. Well look no further! You can get a recommendation for a particular insurance to suit your own circumstances by calling Coversure Leicester on Telephone: 0800 308 1055 Mobiles Call: 01163 190 107.