Insurance on a empty house.

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
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Angie200963Angie200963 Forumite
13 Posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
My mum should be going into a care home within the next two days on speaking to the solicitor I was advised to insure the house as an unoccupied dwelling, I have been calling round but a lot of the big companies don’t do it. I did find one firm Home Protect but came across a question I was not sure how to answer. I am not sure whose name to put I thought of putting mine but my mum owns the house and if a claim is made could they not pay out. Should I be filling it in as if she was doing it with all her details would appreciate any help.

Replies

  • csgohan4csgohan4 Forumite
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    Do you have a power of attorney?

    Find a broker to see if they can find an insurer who can?
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ PIxie/ Bowelhead99 RIP
  • chanz4chanz4 Forumite
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    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
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    very very expensive that's for sure, cheapest we could get was around £200
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • Nebulous2Nebulous2 Forumite
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    Have you tried the current insurer?


    I know someone who has recently been through this with a relative and their insurance gave them reduced cover for the first 12 months that the house was unoccupied.
  • LintonLinton Forumite
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    Have you discussed selling the house with your mum? If you do manage to insure the house you may well find that the insurer requires a regular and frequent internal inspection - . Do you live near enough to make this practical? Also, empty houses are liable to deteriorate over time. So if Mum is never going back home, keeping the house does not seem the best idea.
  • OceanSoundOceanSound Forumite
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    .... I am not sure whose name to put I thought of putting mine but my mum owns the house and if a claim is made could they not pay out. Should I be filling it in as if she was doing it with all her details would appreciate any help.
    You can put your mum's name on the policy but add your name as an additional policyholder.

    The option will be available (even) when you use comparison sites like confused.com. With the later I've seen the question 'Will the property be left unoccupied for 30 days or more at a time?

    If you select 'Yes', up pops another question:

    What's the longest time it's left unoccupied?

    '30 to 60 days' or '60 days or more'

    I've been able to get quotes after selecting 60 days or more. HomeProtect was one of the companies that came up on confused.com site. Although, once I clicked through to the HomeProtect site there seems to be special endorsements under 'property security - lock security'. e.g. Any French doors must have bolts at the top and bottom of each leaf.

    Our french doors only have bolts at top and bottom on one leaf. So, unless we make changes to the doors the policy is not suitable.
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