Unoccupied Property Insurance
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Are you planning on going on a trip, or waiting to sell your old home? We understand that owning a property that’s left unoccupied for an extended period can come with its own set of challenges and worries. That’s why having the right insurance policy in place is important to protect your investment from unexpected events, while your property is vacant. Addison Bradley offers tailored unoccupied property insurance for homes, commercial buildings, and other properties. Call us today at 020 7355 1616 to discuss the protection you need!
What Is Unocupied Property Insurance?
Unoccupied property insurance is a specialist insurance policy designed to protect properties that are unoccupied for a prolonged period. Standard property insurance typically excludes coverage for unoccupied homes after 30 days, leaving property owners vulnerable to risks such as vandalism, theft or damages such as burst pipes.
At Addison Bradley, we provide bespoke insurance policies for unoccupied properties, whether you own a second home, are away for an extended period, are renovating a property, or have a house listed on the market. Our tailored policies ensure your property is protected against unexpected risks while unoccupied.
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WHY CHOOSE US?
Why Choose Addison Bradley For Your Unocupied Property Insurance
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With over 30 years of experience in the insurance industry, Addison Bradley is a trusted partner for property owners who require reliable insurance coverage. We understand that every property is unique, which is why our insurance policies are tailored, and designed to meet your specific requirements. By working with leading insurers, we offer policies that combine excellent coverage with competitive pricing. Contact us today at 020 7355 1616 or complete the contact form on our website to learn more about how we can protect your unoccupied property.
Why Do I Need Unoccupied Property Insurance?
When a property is unoccupied, it becomes more vulnerable to challenges such as break-ins, criminal damage, or unnoticed maintenance problems such as burst pipes. Many standard home insurance policies don’t cover these risks for unoccupied properties, which could leave you facing costly repairs or legal disputes.
Reasons Why You Should Invest in Unoccupied Property Insurance:
Extended travel and holidays: If you’re away from your home for more than 30 days due to extended travel or holidays, your standard policy may not cover your property.
Renovations or Refurbishments: Properties undergoing structural repairs or renovations may require specialist cover to account for the increased risk.
Second Homes or Holiday Homes: If you own more than one home, you’ll likely be leaving one for longer than 30 days, therefore unoccupied property insurance is recommended.
Properties Awaiting Sale: Empty homes and buildings are often targets for criminal damage or trespassing. Having the right policy in place will help protect against this.
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What Does Unocupied Property Insurance Cover ?
Buildings Insurance for Unoccupied Properties
This provides coverage for the structure of your property, including the walls, roof and permanent fixtures. It protects against risks such as flooding, fire, and malicious damage, ensuring your investment is covered.
Cover for Re-Build Costs
If the worst is to happen and your property is damaged beyond repair, this coverage ensures that the rebuild costs are covered.
Contents Cover
If your unoccupied property contains valuable items such as furniture and appliances, contents insurance protects these from theft, damage or vandalism.
Short to Long-Term Unoccupied Cover
Whether your property will be unoccupied for 30, 60, 90 days or even longer, our flexible policies are designed to meet your needs.
Unoccupied Property Owners Liability
Liability cover protects you from potential claims if someone is injured on your property or if your property causes damage to neighbouring properties.
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FAQs
Unocupied Property Insurance Frequently Asked Questions
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What’s the difference between unoccupied property and unoccupied home insurance?
Unoccupied property insurance is a broader term that covers any type of vacant building, including commercial properties and holiday homes. Unoccupied home insurance specifically applies to residential properties left unoccupied for an extended period. At Addison Bradley, we offer insurance policies for all types of unoccupied properties.
How much does unoccupied property insurance cost?
The cost of unoccupied property insurance depends on several factors, including the property’s location, size, and duration of vacancy. At Addison Bradley, we offer competitive quotes tailored to your specific requirements. Contact us for a personalised quote.
How long can a house be unoccupied for?
Most standard home insurance policies exclude properties left unoccupied for 30 days or more. Addison Bradley provides a range of flexible coverage for short-term and long-term unoccupied periods.
What are the benefits of unoccupied property insurance?
Unoccupied property insurance will protect against risks such as criminal damage, burst pipes and theft while vacant. It also includes liability cover, shielding you from potential legal claims, and provides flexible policy options to suit the duration that your property is left unoccupied.
How can I receive an insurance quote for my unoccupied home?
Getting a quote with Addison Bradley is simple. Call us at 020 7355 1616 or complete the contact form on our website. From there, we will schedule a consultation where we can find out more about your policy requirements, which will allow us to provide a free, no-obligation and tailored quote.