Most home owners are not aware that most house insurance companies will not provide cover to your buildings and contents if your property is left unoccupied for more than thirty days. Obviously a vacant property is more likely to be vandalised than an occupied home. Also risks such as escape of water from a burst pipe could potentially cause thousands of pounds of damage if left unattended. This is probably one of the biggest risks to a vacant home. If you are going to leave your home unoccupied for more than 30 days check with your home insurance company to see if they will still provide the necessary cover or else you will need to obtain a vacant home insurance policy.

Not all vacant house insurance policies are the same. Check with the provider what level of coverage that you are getting as most will only provide FLEEA cover only. This essentially provides cover for the following risk; Fire, Lightening, Earthquake, Explosion and Aircraft only. There are many providers that will extend this cover on empty homes to full cover so theft and property owners liability is also included.

A vacant home insurance policy is absolutely necessary for houses that will be left unoccupied for some time. Insurance Dealer is a leading introducer, helping you to find unoccupied home insurance for all types of residential properties.