Unoccupied Property Insurance
There are many reasons for a property to be left unoccupied. The property may be awaiting demolition for redevelopment or refurbishment, the property has just been built and awaiting occupation, or the owners simply don’t spend a lot of time in the property.
Whatever the reason, BJP can discuss with you the types of cover available to help you choose the right insurance policy for your unoccupied property.
At BJP we like to talk to people so that we can fully understand their needs and offer the best advice, so call us now, or alternatively, if that’s not convenient right now fill out our enquiry form advising us of what time would be best to call you.
What cover does unoccupied property insurance provide?
A typical Unoccupied Property Insurance policy provides cover for:
- Storm, flood, weight of snow
- Collision by any vehicle or animal
- Subsidence, heave and landslip
- Escape of water from fixed water tanks, apparatus or pipes
- Theft or Attempted Theft
- Legal Liability of up to £2,000,000
One example of where your unoccupied property insurance would assist you is if a tile fell off the roof and hit a passer-by, your Property Owners Legal liability section enables you to meet any costs and damages awarded if they suffered an injury following the tile falling from your roof.
For a second example, if a pipe burst within your property causing water damage, your policy, should escape of water be included, will pay for the remedial work required to repair any resultant damage the escape of water has caused.