Tel no: 01803 698 456
Empty home insurance - property insurance in Spain - unoccupied house insurance.
Business Hours:
9.00 am to 5.30 pm - Monday to Friday.
If outside of these hours please click link above.
9.00 am to 5.30 pm - Monday to Friday.
If outside of these hours please click link above.
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You can call us on 01803 698 456 or you can send us an email.
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About our Second Home contents Insurance | Contact us for Property Insurance in Spain | Enquiry form for an Apartment Building Insurance quote
You can fill in a short questionnaire form from which we will be able to give you a quote for your holiday property insurance within 2 hours. Any questions that need clarification - we will contact you.
If you would prefer to have us contact you regarding your unoccupied house insurance please enter your details and one of our experienced staff members will contact you as soon as possible with regard to your investment property insurance quote.
If your property becomes unoccupied, it will be more difficult to find empty property insurance than it would be for an occupied one. There are various reasons why you may have an empty property and therefore need unoccupied house insurance, maybe the previous owner has passed away and the property is for sale, the building has been purchased by a new landlord but has not been rented out yet or the property is unoccupied between tenants.
Empty properties are seen as a higher risk, as they are more likely to suffer a theft or vandalism. There is also the possibility of squatters and any attendant damage caused. The empty property may be let in the future on a commercial basis - many insurers will not insure properties let out and so will not offer empty home insurance.
Most standard polices restrict cover or even stop cover when a property becomes unoccupied. The reason for this is that when a claim event occurs in an unoccupied building they often go undetected and consequently become more expensive than a normal claim. This is why you will need a specific empty property insurance policy to cover the risk.
Unoccupied is defined differently by insurers, some insurers define it as a property left without an occupant for more than 30 days, some as when the property is left unfurnished. Most insurers regard long term unoccupancy as a material fact which must be disclosed when buying unoccupied house insurance.
There are measures that insurers of empty property will expect the owners to take in order to prevent any slide into disrepair. Minor repairs such as fallen roof tiles or broken windows should repaired, not only to avoid the obvious advertisement that the building is unoccupied, but also to prevent further damage to the structure of the property as a result. Also the garden and surroundings of any property should be kept clear of rubbish to prevent further fly-tipping and to reduce any risk of fire. Look for more empty property insurance.
Empty properties are seen as a higher risk, as they are more likely to suffer a theft or vandalism. There is also the possibility of squatters and any attendant damage caused. The empty property may be let in the future on a commercial basis - many insurers will not insure properties let out and so will not offer empty home insurance.
Most standard polices restrict cover or even stop cover when a property becomes unoccupied. The reason for this is that when a claim event occurs in an unoccupied building they often go undetected and consequently become more expensive than a normal claim. This is why you will need a specific empty property insurance policy to cover the risk.
Unoccupied is defined differently by insurers, some insurers define it as a property left without an occupant for more than 30 days, some as when the property is left unfurnished. Most insurers regard long term unoccupancy as a material fact which must be disclosed when buying unoccupied house insurance.
There are measures that insurers of empty property will expect the owners to take in order to prevent any slide into disrepair. Minor repairs such as fallen roof tiles or broken windows should repaired, not only to avoid the obvious advertisement that the building is unoccupied, but also to prevent further damage to the structure of the property as a result. Also the garden and surroundings of any property should be kept clear of rubbish to prevent further fly-tipping and to reduce any risk of fire. Look for more empty property insurance.
We provide an extensive range of affordable European property insurance policies that cover most types of property, in both the UK and Europe, which can include buildings & contents, public liability and cover for Earthquake, subsidence, heave & landslip and apartment building insurance. Contact Devon Direct for UK second property insurance or property insurance abroad including French property insurance, apartment building insurance, property insurance in Spain and Italian property insurance. We specialise in property insurance overseas policies.
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Devon Direct
Insurance Services Ltd
61 Palace Avenue
Paignton
Devon
TQ3 3EN
Tel: +44(0)1803 698 456
Insurance Services Ltd
61 Palace Avenue
Paignton
Devon
TQ3 3EN
Tel: +44(0)1803 698 456
Registered Office : 30 Southdown Avenue, Brixham Devon TQ5 0AN. A Company registered in England. Reg No : 5037934.
Registered under the Data Protection Act 1998 Reg No : Z8441389. Consumer Credit Licence Reg No : 552043.
A member of the FSB Reg No : 1401554.
Registered under the Data Protection Act 1998 Reg No : Z8441389. Consumer Credit Licence Reg No : 552043.
A member of the FSB Reg No : 1401554.
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