Ocaso’s unoccupied home insurance is specifically designed for vacant homes and comes with a useful choice of policy periods of 3, 6 or 9 months. If required a further short term insurance could be taken out, if for example the home is unsold.
The policy comes with a wide range of perils insured, similar to that offer for a occupied home, with theft, attempted theft and malicious damage restricted violent and forcible entry into the home. Buildings insurance is compulsory, with property owners liability cover and personal legal expenses coming as standard. Contents cover for carpets, curtains and furniture can also be included, provided the sum insured does not exceed £20,000.
As you would expect with unoccupied insurances there is a strict acceptance criteria. All homes must be in sound condition and well maintained. A minimum level of security applies with 5-lever mortice deadlocks conforming to BS3621 or new UPVC doors with multi point locking system. All accessible windows must be fitted with purpose designed key operated locks or screwed down shut. The home must be inspected, both inside and out on a regular basis. During the colder months, October and March inclusive, the heating must be left on or the water system drained to prevent the pipes from freezing and bursting. Any refurbishment or maintenance works planned during the period of insurance would have to be disclosed during the quote stage, as could have a bearing on acceptance or the cover offered.
We have been recommending the Ocaso unoccupied home insurance policy for many years, as a purpose designed insurance to cater for empty homes with the flexibility of short-term cover periods, which have always been very popular as people do not want to be tied down to annual policies.
For a 3, 6 or 9 month short term Unoccupied House Insurance quote with Ocaso please click Request a Quote below.