Insuring an unoccupied house
Discussion
A few weeks ago, my father in law, who lived alone died, the probate has all been sorted and we now need to get on with selling the house.
It is completely empty, other than fixed wardrobes and carpets.
The house insurance runs out in a couple of weeks time, so that needs sorting, but apparently not many firms are interested in insuring an empty house,
It is a four bedroomed detached in a decent area,
I know I can do an internet search, but can anyone recommend anybody they have used recently for this purpose?
Cheers,
WR.
It is completely empty, other than fixed wardrobes and carpets.
The house insurance runs out in a couple of weeks time, so that needs sorting, but apparently not many firms are interested in insuring an empty house,
It is a four bedroomed detached in a decent area,
I know I can do an internet search, but can anyone recommend anybody they have used recently for this purpose?
Cheers,
WR.
My condolences. Do ask your existing insurers as some will insure unoccupied for a fixed term after date of death.
We’ve just started using Insuristic for probate properties (I work for a solicitors).
No experience of claims but they’re fairly easy to set up and good value compared to our previous insurers. As you probably know the property in detail you might get cheaper elsewhere but for us the lack of daft ‘what window lock’ type questions makes it easy to get a property covered.
We’ve just started using Insuristic for probate properties (I work for a solicitors).
No experience of claims but they’re fairly easy to set up and good value compared to our previous insurers. As you probably know the property in detail you might get cheaper elsewhere but for us the lack of daft ‘what window lock’ type questions makes it easy to get a property covered.
Currently doing this with a family member whos been taken ill, we had trouble finding an insurer and the one we chose now insists on a weekly walkaround video being sent to them.
Beforehand they were fine with the house being unoccupied with the stopcock turned off in street and also the electricity disabled but for some reason the electricity now has be back on.
Luckily we have a neighbour who is good terms who does the weekly walkthrough for us (family member is hundreds of miles away) but if not I doubt we could get insurance.
Beforehand they were fine with the house being unoccupied with the stopcock turned off in street and also the electricity disabled but for some reason the electricity now has be back on.
Luckily we have a neighbour who is good terms who does the weekly walkthrough for us (family member is hundreds of miles away) but if not I doubt we could get insurance.
I use UKInsuranceNET for my flips.
Some recent info here on similar topic.
https://www.pistonheads.com/gassing/topic.asp?h=0&...
Some recent info here on similar topic.
https://www.pistonheads.com/gassing/topic.asp?h=0&...
I used a broker called Bickers Insurance Services in similar circumstances. The price was quite high but came down when you agreed to visit weekly and kept the heating on at minimum 12DgC.
It would have come down even more if I had the central heating drained and the water stopped at the main cock, but the cost for doing that and then reinstating everything was about the same.
It would have come down even more if I had the central heating drained and the water stopped at the main cock, but the cost for doing that and then reinstating everything was about the same.
Condolences, If there is existing cover in place, most will allow the executor to continue with the existing policy, just they add in other exceptions, need to visit once in x time frame and removes cover for water pipes bursting, need temperature to be a minimum etc...
There are a number of companies that will insure an unoccupied house, ether for building, contents or both, I used a company called homeprotect, there are varying levels of cover and exclusions but there are deffo options,
There are a number of companies that will insure an unoccupied house, ether for building, contents or both, I used a company called homeprotect, there are varying levels of cover and exclusions but there are deffo options,
My condolences.
I had to insure an unoccupied property for a few years, most recently through Orwell Insurance Services in Ipswich, who were able to offer an 'all perils' policy at a reasonable cost.
Be careful about the limited cover some will offer and the 'small print' such as Endorsements which some companies make rather confusing to say the least.
I had to insure an unoccupied property for a few years, most recently through Orwell Insurance Services in Ipswich, who were able to offer an 'all perils' policy at a reasonable cost.
Be careful about the limited cover some will offer and the 'small print' such as Endorsements which some companies make rather confusing to say the least.
I guess the problem is the existing insurer said they've cover the house until the end of the policy but won't renew it under any circumstances? My aunt moved into a home last year and I recall my parents just had to confirm they'd be visiting the house every week or so, and it changed to buildings-only cover I think. I'm not sure if it has renewed yet though.
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