{"id":4615,"date":"2013-02-02T10:39:30","date_gmt":"2013-02-02T09:39:30","guid":{"rendered":"https:\/\/www.emberjd.com\/?p=4615"},"modified":"2020-07-27T13:50:07","modified_gmt":"2020-07-27T12:50:07","slug":"unoccupied-exclusions-under-home-insurance","status":"publish","type":"post","link":"https:\/\/www.emberjd.com\/emberjd-blog\/unoccupied-exclusions-under-home-insurance\/","title":{"rendered":"Unoccupied exclusions under home insurance"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignright size-full wp-image-1166 lazyload\" title=\"unoccupied-exclusions-under-home-insurance\" data-src=\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/empty unoccupied.JPG\" alt=\"Unoccupied exclusions under a home insurance policy\" width=\"200\" height=\"170\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 200px; --smush-placeholder-aspect-ratio: 200\/170;\" \/><noscript><img decoding=\"async\" class=\"alignright size-full wp-image-1166\" title=\"unoccupied-exclusions-under-home-insurance\" src=\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/empty unoccupied.JPG\" alt=\"Unoccupied exclusions under a home insurance policy\" width=\"200\" height=\"170\" \/><\/noscript>Standard home insurances are generally designed to insure the main occupied residence of the policyholder. Any variation, such as regular unoccupancy due to work commitments or an extended holiday would have to be specially agreed. <\/p>\n<p>When a home becomes unoccupied, the definition would be detailed in the policy wording which could be 30 or 60 continuous days, then certain cover would be automatically excluded. Typically escape of water or oil, freezing and bursting of pipes, theft or attempted theft, malicious damage, accidental damage and additional cover extensions is excluded. <\/p>\n<p>When you know the home will be unoccupied you should advise your insurer of the reason and length of unoccupancy if known or you can seek an insurance designed for unoccupied homes. We recommend the Ocaso <a href=\"https:\/\/www.emberjd.com\/unoccupied-house-insurance\/\" title=\"unoccupied home insurance\" target=\"_blank\" rel=\"noopener noreferrer\">Unoccupied Home Insurance<\/a>, with a choice of 3, 6 or 9 month short-term policies. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Standard home insurances are generally designed to insure the main occupied residence of the policyholder. Any variation, such as regular unoccupancy due to work commitments or an extended holiday would have to be specially agreed. When a home becomes unoccupied, the definition would be detailed in the policy wording which could be 30 or 60 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[24,49,31,45,46],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Unoccupied home exclusions under a home insurance<\/title>\n<meta name=\"description\" content=\"Cover exclusions that automatically apply when a home is unoccupied for a set continuous number of days.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.emberjd.com\/emberjd-blog\/unoccupied-exclusions-under-home-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta 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