Unoccupied House Insurance, What is covered by Insurance?

Posted by akanshasingh on January 11th, 2017

Unoccupied House insurance can be sometimes difficult to get. You want to make sure that your home is protected even when you cannot be there every day to take care of it. When looking for a provider that will provide house insurance for an unoccupied home, there are a number of key features you should look out for from your provider.

Damage to the Building

The unoccupied home that you have insured should provide cover for loss or damage caused by a fire, lightening, an earthquake or an explosion. Should your home be damaged by aircraft or falling debris, you should also be covered by your insurance. As well as this, if your home requires fire brigade attention, your House insurance provider may cover this. Generally, however, you will not get cover for houses in ghost estates. Talk to your insurance provider to see if your house is suitable for this type of insurance.

Damage to the Contents

If the contents of your unoccupied home are damaged, your insurance provider may replace or pay for some items. As long as the items were in good condition, your House insurance provider can provide you with cover to replace the items. However, generally they will not upgrade the item for you. Items like clothes are not covered by this in most cases.


You insurance provider will cover you for legal liability to the public in a number of cases also. They should indemnify you for any amount of money you are liable to pay for bodily injury or damage to the property if either is caused by an accident happening on the property. If your house is unoccupied, you must take extra care and protection against tresspassers. Install an alarm to help with the protection of your home to alert the police of tresspassers before any accidents happen.

Although you might think that while your house is unoccupied, it won't need insurance, having unoccupied house insurance is so important. It can provide you with peace of mind, especially when you can't be there every day yourself. Keeping your unoccupied house in order, such as neat gardens and no post or litter thrown around can help protect your home. As well as this, install an alarm system for extra peace of mind.

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