When you need to leave your property vacant, whether for renovations or vacations, consider temporary or short-term home insurance to protect against potential damage while it’s empty. This is especially important if your standard homeowner’s insurance doesn’t cover unoccupied properties. One of the places you can go to when looking cheap for quotes for temporary home insurance is Moneysupermarket.com.
Most standard homeowners insurance policies exclude coverage for unoccupied properties beyond 30 days. If you plan to be away longer, consider short-term home insurance, which covers both building and contents during the vacancy period. You can also opt for separate short-term building and contents insurance policies for tailored coverage.
Short-term or temporary home insurance is a non-standard home insurance that covers your home for a temporary amount of time when your standard home insurance policy won’t cover it. When looking for cheap quotes for temporary home insurance, one of the places you can go to when looking cheap for quotes for temporary house insurance is Moneysupermarket.com. You can find and compare short-term home insurance policies for your unoccupied home. Their non-standard home insurance listing shows the level of cover offered by each insurer, and the unoccupied periods available to you.
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You need unoccupied home insurance short term in the following instances.
- When you are going for a long trip
- When your house is under renovation, and there is a need to move to temporary accommodation
- When you have acquired another home, but you cannot move in immediately
- When you have moved to a new home, and you are waiting to get a buyer for the old home
- When your house is awaiting probate
How Short Term House Insurance Works
Short term home insurance in UK has the same coverage as the standard home insurance. However, it extends its coverage to protect your house against increased risk, especially when it is unoccupied. When you are taking a trip for more than 30 days and your house is left empty, consider short term buildings insurance unoccupied. However, if the house will still be occupied during that period, then a short term house insurance occupied and short term home contents insurance will be suitable.
When your house is empty for long, it becomes susceptible to vandalism and break-ins, fires, wear and tear such as dripping water pipes due to lack of maintenance. They may end up damaging the house and increasing the cost of claims. Short term house insurance unoccupied can range from seven days to 12 months. If you are travelling for a period between one week and three weeks, it is economical to get 1 month home insurance.
Types of Short Term Home Insurance
In the UK, there are different types of temporary home insurance for different situations. One type is temporary insurance for unoccupied properties left vacant for extended periods, usually exceeding 30 days. This insurance protects both the structure itself and its contents from things like fire, theft, and vandalism. Another type is for homes that are rented out for short periods, like through Airbnb and Booking.com. It covers the building and its contents against damages inflicted by tenants and addressing liability concerns in the event of tenant-related injuries.
A niche within temporary home insurance is student contents insurance, designed to safeguard students’ belongings within their accommodation. This policy mitigates risks such as theft, fire, and accidental damage. Furthermore, holiday home insurance is for houses that are only used sometimes, like vacation homes or secondary residences. It protects against things like fire, vandalism, and theft when the house isn’t being used.
Finally, there are builders and contractors insurance for homes under construction or renovation. This specialized coverage guards against potential damages caused by the activities of builders or contractors. It helps if builders accidentally damage the property. Each of these insurances has a specific job to keep different types of homes safe.
Holiday Home Insurance: If you just bought a second home suitable for the holiday home, probably by the seaside, you must be very excited to move in. However, before you can move in, you need to consider home insurance for both houses. Short term building insurance will cover the cost of repairing your home, while short term house insurance unoccupied will include the holiday home while you are not there. Besides, you can also get short term house content insurance for the holiday home so that all the property in the house will be secure. Apart from securing the household contents of the holiday home, you also need to cover the building. In this case, consider short term home building insurance.
Short Term Home Insurance Coverage
A short term home insurance offers you the following coverage:
- Short term building insurance. It covers you against the cost of repairing or rebuilding structures and fixtures of your house. This is in case it is damaged by fire, lightning, flood, storm, theft, break-in or vandalism. If you plan to leave your house unoccupied, then get unoccupied home insurance short term.
- Short term home contents insurance. Short term contents insurance cover the cost of repairing or replacing damaged the contents of your house. When you leave a house unoccupied, its contents become susceptible to damages through fire, smoke, break-ins, lightning, floods, vandalism or theft. You will need to pay an extra cost to cover your house content. It is a good deal to ensure that your home is fully protected.
- Legal expenses. Some short term home insurance covers the legal costs that you will need to evict a person who stays in your house while you are away without your knowledge.
- Property owner’s liability. It covers you against any claims from the third party due to damages to their homes because of your home.
What Short Term Home Insurance Doesn’t Cover
It is important to know what temporary house insurance doesn’t cover. First off, intentional damage, like if someone purposefully damages the property, isn’t covered. Also, certain events might not be included, such as flooding from inside the house due to accidents like overflowing sinks or leaving a tap on. Wear and tear, which is the gradual deterioration of the property over time, isn’t covered either.
Another thing to note is that if your property gets damaged, and you can’t rent it out, the insurance won’t cover the lost income. Additionally, some situations might not be covered, like if your property stays unoccupied for longer than the allowed time according to your policy. Also, if there’s evidence of forced entry, but the property wasn’t properly secured, the claim might be rejected.
Short Term Home Insurance Quotes
It’s common for many people to search for cheapest short term house insurance quotes. However, due to the dynamic nature of insurance pricing influenced by factors like location, property specifics, and provider offerings, pinpointing the “cheapest” short-term house insurance cost in the UK is challenging. Adrian Flux advertises starting prices for unoccupied property insurance around £40 per month, while their landlord legal protection begins at approximately £19.99. Admiral’s standard home insurance quotes may start from as low as £136, though this isn’t specifically for short-term coverage.
Generally, for unoccupied property insurance in the UK, costs vary depending on the duration of vacancy. For instance, expect prices to range from £40 to £100 for 1-14 days of vacancy, £40 to £80 for 15-30 days, and £50 to £120 for 31-45 days. Different insurers have distinct processes and policies, so it’s essential to shop around for the best deal. Websites like Money Supermarket can aid in comparing quotes for temporary home insurance.
Short-term house insurance premiums for unoccupied properties are often higher than standard home insurance due to increased vulnerability to vandalism and break-ins. With no one present to address issues promptly, minor problems can escalate, raising the risk of an incident occurring. Insurers perceive this heightened risk, leading to higher premiums. However, implementing security measures can help lower monthly premiums. Installing security cameras, for example, can substantially reduce the risk of burglary, potentially resulting in lower insurance costs over time. It’s crucial to seek out affordable home insurance quotes while ensuring adequate coverage for your property’s unique needs.
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Understand Short Term Home Insurance in UK
In conclusion, when leaving your property vacant, whether for renovations or vacations, considering temporary or short-term home insurance is vital to protect against potential damage during its empty periods, especially if your standard homeowner’s insurance doesn’t cover unoccupied properties. Various scenarios necessitate this coverage, such as extended trips, renovation periods, or waiting for a property sale to finalize. Understanding the types of temporary home insurance available, such as coverage for unoccupied properties, short-term rentals, student accommodations, holiday homes, and construction sites, ensures tailored protection for diverse needs.
However, it’s essential to note that temporary house insurance may not cover intentional damage, certain events like flooding, or prolonged vacancies beyond policy limitations. While seeking cheaper short term house insurance options, it’s crucial to shop around, considering factors like location, property specifics, and provider offerings. Insurance comparison websites can assist in comparing quotes for temporary home insurance. Additionally, implementing security measures can help mitigate risks and potentially reduce premiums.
At Moneysupermarket.com you can find and compare short-term home insurance policies for your unoccupied home. Their non-standard home insurance listing shows the level of cover offered by each insurer, and the unoccupied periods available to you.