Unoccupied house insurance

CDW

Any recommendations of insurance companies offering reasonable buildings insurance on an unoccupied property? Thank you.

Albermarle

If you do not get a satisfactory response, you could try reposting here.

House buying, renting & selling — MoneySavingExpert Forum

Linton

you should find that the previous insurer will continue to provide insurance, at least for a while.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/82141198#Comment_82141198

Depends on why its gone vacant.

https://forums.moneysavingexpert.com/discussion/6683805/unoccupied-house-insurance

This comes up most weeks, have a look at the recommendations that have been made to others. Heres another thread from today:
https://forums.moneysavingexpert.com/discussion/comment/82140928

Technosaurus

Depends on your definition of reasonable really…

It WILL be more expensive, it will come with a higher excess and there will be some conditions to cover, namely: weekly/fortnightly checks of the property, maintaining heating at a certain level to avoid pipes freezing, removal of valuables and highly likely reduced amount of perils (unlikely to include Theft for example)

When it happened to us, our existing insurers covered us as we were for 30 days and then we got a short-term (6 month) policy from Towergate online while we sold the house. They have since changed their name to Everywhen which came up top of my Google search for 'unoccupied house insurance'.

I note you have posted on a separate thread advising the estate might be quite substantial. If the bulk of that is this property and you are unable to comply with any of the conditions, you may wish to speak to an insurance broker who know the market more.

Daniel54

There has been some positive feedback on this forum for the broker Adrian Flux,who offer unoccupied house insurance.

NeverTooLate

I have just insured the unoccupied home of a deceased person. The existing insurer would carry on insuring it but would not cover water escape, vandalism or theft - so not much use. I tried some price comparison sites but they were very expensive. So I called a broker that we had used for renovation house insurance. They came up with a very competitive quote, but the policy has caveats - we have to drain the cold water system down and have someone come in and inspect the house every 14 days and keep a log.

I can pm the name of the broker if you wish.

Ms_Chocaholic

We went with Adrian Flux and their prices were reasonable but we didn't need to make a claim so can't comment on that but it was peace of mind that our unoccupied property was covered.

CDW

Thanks for all your comments. I am finding it tricky as per @NeverTooLate to find cover that includes water escaping which to me is the most likely risk in an unoccupied house over winter, I am loathe to drain the system if we can avoid so it is still easy to stay there when needed. Home protect seem to always exclude escape of water, existing insurer Aviva will only ensure for the first 60 days, and Adrian Flux do cover but are pricy. Does anyone have any other suggestion of who may be helpful to contact and have provided water escape cover - thank you.

NeverTooLate

https://forums.moneysavingexpert.com/discussion/comment/82165116#Comment_82165116

To be honest, the water draining isn't too much hassle. Turn off water at stopcock, flush loos, open taps - that's it. Just have to remember to close taps when you go back before turning on the water, especially for the outside tap that doesn't drain into bath/sink.

DairyQueen

We also needed cover for burst pipes and escape of oil. We found a policy with broker InsureMy. Not cheap.