Did you know, leaving your home vacant for more than 40 consecutive days classifies it as unoccupied? Unoccupied homes require specialist insurance as a standard home insurance policy will not cover damages to properties that have been left vacant for 40+ days. There are several reasons why you may need to leave your home for an extended period of time – lengthy hospital stays, family bereavement or even a long holiday. However, before you go it is important to ensure you will not invalidate your home insurance policy.
Luckily, our team of unoccupied house insurance experts are fully knowledgeable on this specialist area and we’d like to share this knowledge with you as best we can. In this blog section, you’ll find the team’s best tips on managing and protecting your vacant property as well as guides to the various factors of unoccupied house insurance.
Is Your Vacant Property At Risk?
According to the 2016 Census of Population, approximately 245,460 Irish homes are unoccupied bringing the vacant rate of homes in Ireland to 12.3%. Although this number may seem high, there are a number of reasons why you might need to leave your home unoccupied – immigration, lengthy hospital stays, family bereavement or even due to a significant renovation or extension of the property. The critical […]
5 Key Considerations When Buying Unoccupied Home Insurance
Whether it’s through choice or through factors outside your control, you may have a home that is currently unoccupied. You may also have wondered if you even need unoccupied home insurance. To help you make that decision, we’ve put together this simple guide outlining your options. Defining a ‘vacant home’ for insurance purposes A standard […]
Security Enhancements for Your Unoccupied Home
Implementing security measures to protect any property against theft or vandalism is important, but it’s especially necessary for unoccupied homes. After all, the lack of a physical presence on your vacant property makes it far more likely to be targeted by thieves, vandals or squatters. There are a number of effective security measures that you […]
Unoccupied House Insurance – Your Policy Duties
While it may seem like taking out unoccupied house insurance is enough to protect your property, it’s important to fulfil all your policy duties to keep your building secure. Taking out a contract is an important first step, but failing to follow its guidelines can just as easily invalidate your policy. The following is a […]
When is Your House Classified as a Non-Standard Construction?
When most people think of non-standard houses, flat roofs or homes with wooden cladding come to mind. However, the long list of non-standard constructions may surprise you! In fact, many aren’t even aware their home is considered non-standard, which can prove to be a problem as specialist properties require customised insurance. That’s why we’ve created […]
How Unoccupied House Insurance Protects Your Property
Nowadays, houses can remain unoccupied for a variety of reasons, from emigration to lengthy hospital stays to family bereavement. However, if they are empty for more than 30 consecutive days, they may be officially classed as an unoccupied home and so require a specialist unoccupied house insurance policy. With almost 300,0o0 vacant homes across the country, when it comes unoccupied house insurance Ireland has […]
How to Prepare Your Unoccupied Home for Winter
Leaving a property vacant over the winter period can often cause stress or anxiety. To prevent weather damage the property needs to be properly prepared and it can be difficult to know where to begin. We decided to help by sharing five essential steps for winterising your home: 1. Water During the winter the water […]
Unoccupied Homes: 5 Ways to Prepare Your House for Vacancy
When your home is due to become vacant for an extended period of time, the list of things you have to do to seal its safety can seem overwhelming. Here, we provide a list of five essential steps that you should take to prepare your home for vacancy. These steps help to protect your unoccupied […]
Unoccupied House Insurance – Key Policy Conditions
In today’s economy, many young families are choosing to move abroad for work. Many of these families own a property here in Ireland and are unwilling to rent or sell the property as they are unsure of their long term plans. In such situations, the property may be unoccupied for a long period of time […]
Unoccupied House Insurance Explained
The number of unoccupied or vacant properties is on the rise. The current economic conditions, the emigration trend, and a lack of suitable tenants are all key contributing factors. It is important that your property insurer is made aware of a change in property occupancy. If the insurer isn’t notified, the property may not be correctly insured. […]