How Can You Safeguard Your Unoccupied House?

For your unoccupied house in the UK, they provide the option of using short term home insurance. If you are a landlord, need a suggestion about to protect your home from the unforeseen events. Then, spare some minutes to get a clear idea about the temporary insurance for your house.

What is short term insurance?

In simple words, it is the non-standard home insurance that helps to cover your home for a temporary period. It is true that the temporary coverage won't come under the standard home insurance policy.  

The short term insurance for your home helps you out when,

• Going for a long trip.
• Renovation work and you need to move to temporary housing.
• Waiting for any approval from the higher officials and the house will be empty during that time.
• Still waiting to sell your old home even after you moved to a new home.
•  Bought a new home and not yet moved in
• Own a rental property but there is a break between tenants

What is included in the temporary insurance cover?

Short term home insurance has coverage which is similar to the standard home insurance policy. It includes,

·         Temporary building insurance:

It is the same as the standard cover where it compensates for the repairing or rebuilding, fixtures and fittings, damaged caused due by fire, smoke, theft, lightning or storm, malicious damage and other natural disasters. The landlord can make use of this till the tenants occupied the home. Other than this it will work for them who planned for the long trip.  

·         Temporary content insurance:

When you really want to cover certain possessions and the valuable contents in the home, you can opt for this content insurance. In case of a landlord, renting your home for tenants with the contents in the house, till the house occupied by tenants this cover gives you hand for any misfortune. It provides compensation during fire, smoke, theft, lightning and storm, flood or malicious damage, earthquake and more.

·         Property owner’s liability:

Because of your home, if there is any injury and loss or damage caused to someone's property, then it provides property owner’s liability covers.

·         Legal expenses:

It offers coverage for any legal expenses in the situation like, landlord sometimes makes a decision to evict someone who stays in their property.

How can you cut down the cost of this type of insurance?

To lessen down the cost of this short term insurance, take some needed steps like,

• Installation of new security devices such as an alarm or extra locks can reduce the cost of the cover. make sure from doing this the insurer will consider or not.
•  Moreover, the unoccupied house is easily targeted by the burglars. With the help of your neighbor showing the signal as they have an eye on your house, make the burglar alert and avoid misfortune.
• Paying excess helps you during the claim or otherwise, you have to pay yourself at the claim for an increase in the damage or injury. You might end up in the struggle to pay for it.

Things to do before buying it!

Before opting for the short term insurance, consult with the insurer. Some might won't provide cover against malicious damage.

Sometimes, the insurer will have a condition to look after the property regularly even though your home still unoccupied.

You have to find and shop around for the short term home insurance. Compare cheap home insurance for a temporary period and consult the details with the insurer for your unoccupied home. The amount of cover and the policy regulations differ from one insurance provider to another.

Make sure you opting the cheap and the best policy cover for your unoccupied home.