AC Insurance - Business and Personal Insurance Specialists

UNOCCUPIED HOMES

Unoccupied Home Insurance

At AC Insurance we realise that a property may be unoccupied for various reasons

and we have designed a policy to suit a wide range of possibilities

Unoccupied properties with cover built around you

RESIDENTIAL OR COMMERCIAL

The beauty of our specialist unoccupied policies is that once your property becomes occupied,we can convert your policy into a full buildings and contents policy without having the need to cancel and set up a new policy.

On many occasions we will actually give you a return premium as unoccupied insurance always costs more than occupied insurance.

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Our insurers will ask you to meet certain requirements due to the extra risk

associated with unoccupied properties these include:

Visiting

The property must be visited at least once a week by a responsible adult.

Heating

Between April and October your heating set to a temperature no less than 13 degrees or that your central heating systems are drained.

Security

All external doors and windows must adhere to a minimum security requirement set by insurers.

We realise that a property
may become unoccupied
for many reasons
some of these include:

Property
Undergoing Renovations

We can cover your home or let property on a full or limited perils basis. This basically means that we will cover your buildings for everything you would be covered for under your home insurance policy or we reduce cover to the minimum of Fire, Lightning, Earthquake, Explosion and impact by aircraft, also known as FLEEA.

Property
Pending Let

You may have purchased a new property that you are going to let out once you have completed some minor refurbishments.

Or you may have a property between lets and decide that you are going to freshen things up before you re-let, this can sometimes take longer than anticipated and should your property be unoccupied for longer than the normal 30 days given by most insurers, our cover can help.

Property Owner
Moved Into Care Home

You may have an elderly family member that has had to move

into a care home due to ill health.

At AC Insurance we realise that this can be quite an emotional time, we can work with you to ensure that their home is covered, with you named as power of attorney on the documents

so we can talk to you, to carry out their wishes.

We cover your home your way

We have tailored our policies to cover many specialist types of homes

Home Insurance

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Holiday Homes

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Thatched Properties
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Renovation Projects
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Grade Listed Homes

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