Unoccupied household insurance image overlay

Unoccupied household

What is unoccupied household insurance?  

Most household insurance policies do not provide cover if the property is unoccupied for more than 30 consecutive days.  Estate executors need to make sure that the insurances in respect of any property are maintained whilst the estate is being finalized or run the risk of a personal liability claim by the beneficiaries of the estate in the event that uninsured property is devalued.

Unoccupied household insurance provides cover for unoccupied properties and protects the estate assets in the event of many forms of damage.

Why should I buy unoccupied household insurance?

Executors have a duty to ensure that the assets and liabilities of the estate are at all times insured whilst they are in control of the estate. Any beneficiary who feels that they have not received the correct payment from the estate due to an error of the executor could take legal action against the executor personally.

As the household insurance premium can be deducted from the estate, it would seem that the executor has nothing to lose and everything to gain by ensuring they are covered.

Our unoccupied household insurance

  •   Insured with Lloyds of London
  •   Fire, Lightning, Explosion or Earthquake
  •   Aircraft and other flying devices
  •   Storm, flood, weight of snow
  •   Theft or attempted theft when the loss or damage follows a
    violent and forcible entry or exit
  •   Escape of oil from fixed domestic oil-fired heating installations
  •   Collision by any vehicle or animal
  •   Riots, Strikes, Violent Disorder, Civil Commotion and Malicious Damage


Call us today on 08448 480 380