Empty property insurance?

lynsco

I inherited a 2 bed mid terraced house earlier this year when my mother died and in the last week it is now legally in my name. I currently have insurance on it which was an alteration of my mums original insurance property (they were aware it was empty etc all above board) I was then told that now the house is actually in my own name I need to take out new insurance, the current company will not give me a brand new quote. They have however said they are happy to insure until I get another insurance in place which is good.

What I'd like advice on please is where is best to approach? I know there are plenty of specialist companies when you use google etc but I have never heard of any of them? I'm planning to let the property out next year but need to continue emptying it and doing various bits up so it wont be for maybe 4 months or so. I was given conditions by the other company such as heating, inspecting the property every 7 days and i just live a few streets away so that sort of thing is no problem.

Do big companies tend to shy away from empty properties? Any advice gratefully received but please be gentle with me, I'm having stressful time at the moment x

hcb42

Adrian flux is the name that rings a bell when we were in a similar situation.

You are better off though that you are a few streets away, if you can occupy the house, then it will obviously derisk the chance of theft, burst pipe etc, but also meet with any insurance requirements

lynsco

I live in my own house with my own family though how can I occupy this one also?

kingstreet

Towergate do it. You'll need to leave the cover with them for a full year though as they tend towards high cancellation costs.

Most insurers insist on key operated window locks and 5 lever mortice locks on the final exit doors for unoccupied property.

http://www.towergatehomeandprotect.co.uk/products/non-standard-buildings-and-con.aspx

System

If you are going to let it anyway, why not just get landlord's insurance?
I found it surprisingly cheap to insure our cottage for my mother to live in, as the company wouldn't include it as part of our own property, although adjoining.

When her previous house was empty for a while before being sold, the company continued the insurance but on condition it was visited once a week.
But there is no such requirement with landlord insurance - there can be gaps between tenants with apparently no obligation to visit.

dacouch

Clifford_Pope wrote: »

If you are going to let it anyway, why not just get landlord's insurance?
I found it surprisingly cheap to insure our cottage for my mother to live in, as the company wouldn't include it as part of our own property, although adjoining.

When her previous house was empty for a while before being sold, the company continued the insurance but on condition it was visited once a week.
But there is no such requirement with landlord insurance - there can be gaps between tenants with apparently no obligation to visit.

You need to read your landlords policy

lynsco

If I am not a landlord I shouldn't be getting landlords insurance tho? I'm not registered yet though or had any checks done etc so as far as I know its not lettable therefore I need ordinary insurance?

lynsco

Thanks kingstreet