Insuring house-part time living

lady1964

Looking for some advice on insuring a house we’re in the process of buying but when the sale has completed, will only be ‘living’ in for a few days a month for up to 6 months until we make the move more permanent.
We will have basic furniture in the house, sofa, tv, bed & cooking essentials, just enough to manage for an overnight/2 night stay once or twice a month.
Do we need to get a specific type of insurance or will standard house insurance suffice?

Many thanks.

G_M

https://forums.moneysavingexpert.com/forumdisplay.php?s=&daysprune=&f=21

Cakeguts

You need also to check the council tax as some councils charge double for second homes.

greenhill

Cakeguts wrote: »

You need also to check the council tax as some councils charge double for second homes.

Many councils state "Unoccupied / unfurnished for two years or more" for 200% council tax.
In the OP's position it sounds like normal 100% CT.

z1a

Cakeguts wrote: »

You need also to check the council tax as some councils charge double for second homes.

Blackburn are planning to start charging triple.

greenhill

z1a wrote: »

Blackburn are planning to start charging triple.

Large council taxes for extra homes are charged if the property is left empty and unfurnished for two years.
Holiday lets are charged at business rate if they're let for 140 days or more in a year.