What does unoccupied mean for home insurance?
What is unoccupied home insurance? 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.Click to see full answer. Considering…
What is unoccupied home insurance? 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.Click to see full answer. Considering this, how long can I leave my house unoccupied?In general, ‘normal’ house insurance policies don’t provide coverage if you leave your home empty for a long time. Some policies suspend coverage after more than 30 days, while others allow for 60 days.Furthermore, is it more expensive to insure an empty house? When there are residents in the house it’s much safer and less of a risk for insurers as there’s someone to limit damage from accidents and prevent vandals from striking. For these reasons, unoccupied property insurance can often be more costly. Additionally, what counts as an unoccupied house? In insurance terminology, an unoccupied property (one left empty for 30 to 60 days) is not covered for certain ‘insured perils’. In layman’s terms that usually means theft, attempted theft, malicious damage and water damage.What is the difference between vacant and unoccupied?Unoccupied: without occupants, but not devoid of furniture or other furnishings. Vacant: having no tenant or contents; empty, void. The difference between the two is a matter of time and intent.
