With standard home insurance you are allowed to leave your home unoccupied for a maximum period of time, which is normally 30 days.

If you plan to leave your home empty for longer than this, you should consider unoccupied home insurance also known as empty home insurance. This is available for three, six, nine or twelve months, often with the choice of extending the term if you need to.

With this type of policy, you can leave your home unoccupied, and protect the building and contents for as long as the policy is operating.

Unoccupied House Insurance could be the right choice if you need to live somewhere else whilst you are having major work done to your home. Or, you could be on an extended holiday or a long period of travel. Perhaps the insurance is needed for a home which you are waiting to sell, for example, the result of an inheritance.

Whatever the reason for needing unoccupied house insurance, it’s important to ensure that you have the right cover, appropriate for your needs, in place, to ensure your unoccupied home is fully protected.

Unoccupied house insurance is a special form of home insurance policy, normally arranged by a broker. At Andrew Bull Insurance Service, we have broad experience with this type of insurance, and can help determine the right cover for your needs.

We take time to understand the risks that you want to cover, the period of time for which you will need the cover, and any special considerations about your property. We search appropriate policies from a range of specialist insurers, to save you time and effort. Our role is to find the best policy for you at the right price.