Unoccupied Property Insurance

There are many reasons why your home may be unoccupied, such as taking an extended holiday, your property is a holiday home and only visited during the summer months, tenants have vacated the property without prior warning, or you’ve inherited a property from a family member.

The most important thing is not to assume that your home policy is valid if your property is empty.

With a property being unoccupied there comes increased risks such as burst pipes and burglaries. You therefore need to ensure that you have the correct insurance in place so that in the event of a claim you are fully covered.

Insuring your Unoccupied Property with Aston Lark

We understand that everyone’s circumstances are different, and we can cater for this. We can access both long-term and short-term policies, depending on how long your property will be unoccupied for. Whether it’s for three months or twelve months, we can provide you with a quotation to suit your requirements. We will offer advice and guidance, so you find the right solution for you. Plus, you will be assigned a dedicated account handler to ensure you receive a personal experience. We are not a call center.

The benefits of using Aston Lark

  • Access to a range of insurers. When a property becomes unoccupied, insurers may reduce the level of cover due to the additional risks that come with unoccupied properties. Our insurers can offer cover in line with a standard household policy.
  • Flexibility to amend cover. The insurers we work with can provide a quotation on the updated occupancy, for example, if your unoccupied property is let to tenants. Some insurers will accept all different occupancies, so we may be able to simply amend your existing policy to reflect the new occupancy.
  • Claims Management. With some insurers we can accept and pay on behalf of the insurer. This enables us to provide a quick and responsive service. Any claim outside our authority or relating to liability and legal expenses has to be agreed by your insurer.

Please CLICK HERE to find out more about unoccupied properties. 

  • Unoccupied checklist
  • Potential security risks
  • Escape of Water & Fire risks
  • What to do if your tenant vacates the property and you don’t have a new tenant lined up

If you would like to get in touch, please complete the enquiry form opposite or call us on:

020 8557 2420

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