House Insurance Problem

1jacks64

I'm a beneficiary under my grandmother's will and I am buying out my uncle's share of my grandmother's house. The house is unfurnished but I am planning and I am not planning to move into the house immediately and it could end up being unoccupied for a year or more.

Obviously the house needs to be insured as my mortgage lender demands this. At the time when I arranged the insurance through the company which my mortgage lender put me with they asked the question on the phone "Will the house be occupied for 60 days or more?" and I answered yes. However, this won't actually be the case.

What I want to know is will home insurers insure an un-occupied property? Or do they not touch un-occupied properties with a bargepole because they are too much of a risk? And are there specific insurers that people know of who will insure an un-occupied property?

Any help greatly appreciated.

Savvy_Sue

They often won't insure unoccupied properties, and if the property is unoccupied then they say things like water gas and electric must be turned off. Sorry I don't know about insurers who will do it as standard: I only know that at one point I was house-hopping so that a friend's house wasn't unoccupied - sleeping there one or two nights each week.