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How long can you insure an empty house?
Unoccupied home insurance covers you when your home is empty for longer than your standard policy will allow. You only normally get cover if your home is empty for up to 60 days – and if anything happens outside this period you won’t be covered.
Can you get insurance on a house that is empty?
Generally, if you plan to leave your home vacant or unoccupied for 30 days or more, you’ll want to purchase unoccupied or vacant house insurance. While terms vary by policy, most insurance companies will deny claims that are made if your home is left alone for longer than 30 days.
How long can a house be left empty?
A property will have to stand empty for at least two years and owners will have to be given at least three months’ notice before the order can be issued.
What constitutes an unoccupied house?
Let’s define unoccupied: as far as the insurance industry is concerned, an empty property is one that is uninhabited for more than 30 days (or 21 days in the case of homes which are usually let out to tenants).
Why do people leave houses empty?
More often it’s because of ordinary financial concerns, it adds. “One of the most common reasons that properties are empty is because the owner cannot raise the money to do the property up to let it out, or sell,” says Helen Williams, chief executive of Empty Homes.
How long does home insurance cover an unoccupied house?
Unoccupied home insurance covers your home if it’s left empty for longer than your standard policy allows. Standard home insurance policies typically cover an empty house for 30 or 60 days, but the time frame can be longer, or shorter – so check your policy wording to be certain.
When do you need insurance for an empty house?
Second homes or holiday homes empty for long periods. (Holiday home insurance usually takes into account that the property may empty for long periods.) Homes in probate or waiting to be sold. A house left empty due to illness, for example where relatives move in with other family members.
Is there a limit on how many days an empty house can be covered?
You won’t be able to extend the limit on Admiral or Admiral Gold cover but you can increase Platinum to 120 days. When you set up an Admiral Home Insurance policy you will be asked how many days in a row the house is left empty, if this changes during the policy term make sure to let us know.
How long does it take for an insurance company to consider a house vacant?
The amount of time required for a home to be considered vacant can depend on the insurance company. For instance, some insurance companies may deem a home to be vacant if no one lives in it for at least 30 days. Other insurers may extend this to 60 days or more before a home is considered vacant. 1