Category: Unoccupied Property Insurance
Unoccupied property insurance for renovation: Do you need cover while doing works?
If you are planning to have works carried out on your property, you may have come across references to the need for renovation insurance. Often, this appears as a brief reminder to check that you have appropriate insurance in place …
Probate property insurance: protecting an empty home after someone passes away
If you’ve recently lost a family member or close friend and are the executor of their will, dealing with their property can feel overwhelming. For many executors, property insurance is not the first thing that comes to mind – yet …
What is unoccupied property insurance — and when do you need it?
It’s important to know when your insurer is likely to regard any property you own as unoccupied. That’s when you might find that the safeguards typically protecting your home or let property fall short of what’s required – or may …
Probate and unoccupied property: what executors need to know
Being the executor of a will can be quite a responsibility. While the estate is in probate, you are charged with looking after potentially substantial financial and property assets. Get things wrong and you could find yourself personally liable for …
Peace of mind this Christmas: securing unoccupied homes over the holidays
As the festive season approaches, many of us may be heading off to see family or taking a well-earned winter break. But Christmas is also one of the riskiest times of year for unoccupied homes. Leaving a home empty for …
Seasonal risks for empty homes: Why time of year matters for your unoccupied property insurance
You may already be aware that once you’ve left your home empty and unoccupied for longer than a month or two, you typically need a special type of standalone insurance – unoccupied property insurance – in order to maintain an …
Quick guide to unoccupied property insurance
If you own property – whether as an owner-occupier, a landlord, or as an investment in commercial premises – it faces a range of risks and perils if it is left empty and unoccupied for longer than a month or …
The importance of unoccupied property cover
If your property stands unoccupied for more than a specified number of consecutive days, your buildings and contents insurance could be at risk. Here, Cover4LetProperty explains why this matters and what options are available to protect your investment. The background …
From probate to renovation: When does a property really count as ‘unoccupied’?
Whether you’re a landlord facing a long void period or a homeowner leaving your property empty for a few months, understanding when a property is officially classed as ‘unoccupied’ can save you from unexpected insurance issues, council tax surprises, and …
Protecting your empty property over winter
There might be any number of reasons why you are leaving property you own empty and unoccupied this coming winter: your work might be taking you away from home for several months; the home you live in, a holiday home …
