Why You Need House Insurance for an Unoccupied House

House insurance for an unoccupied house is crucial for homeowners. This type of insurance is specifically designed for homes that remain empty for extended periods, as it provides coverage against the risks that are specific to vacant properties.

Why do you need house insurance for an unoccupied house?

Standard home insurance policies generally cover homes that are occupied regularly. However, if a house is left unoccupied for a significant duration – typically more than 30 days – standard policies may not offer sufficient coverage. This lack of occupancy can lead to a higher risk of vandalism, theft or damage, something that could have been prevented if the property was occupied.

The risks of leaving a house unoccupied

Vulnerability to crime: An empty house can become an easy target for burglars and vandals. These individuals often look for houses that show signs of prolonged absence as they pose a lower risk of getting caught.

Maintenance issues going unnoticed: In an occupied home, issues like electrical faults or minor damages are usually noticed and addressed right away. However, in an unoccupied house, these problems can go unnoticed for a long time, potentially leading to significant damage and costly repairs.

Exposure to the elements: Homes that are left unoccupied are also more susceptible to environmental damage. For example, a small leak during bad weather can escalate into severe water damage if left unattended.

How can I protect my unoccupied house?

Protecting an unoccupied home involves a combination of physical security measures, regular maintenance and help from others. Here are some strategies to consider:

1. Security systems: An effective security system deters burglars. Modern systems can include glass break sensors, door/window sensors and indoor/outdoor cameras. Look for systems that offer remote monitoring so you can receive alerts and keep an eye on your property from anywhere in the world.

2. Timed lighting: Lighting that operates on a timer can create the illusion of occupancy, which is crucial for deterring potential intruders. Smart lights can be programmed with variable on/off times and controlled remotely, adding to the appearance that the home is being lived in.

3. Secure doors and windows: Doors should have strong frames and hinges. Windows should be fitted with locks and, for ground-level windows, consider installing window security films, grilles or bars. Always lock pet doors.

4. Deliveries: An overflowing letterbox or packages at the doorstep are clear signs of an empty house. Arrange for the post office to hold your mail or have someone else collect it. Pause any regular deliveries such as newspapers.

5. Friends and family: Have a friend or a property management company conduct regular inspections. They should check for signs of break-ins, water damage, electrical issues or other maintenance needs. Informing someone you trust can ensure there's someone nearby to keep an eye out for unusual activity. They can also help by bringing in the bins after collection days and performing occasional checks inside the home.

6. Remove valuables: If you’re going away for a long time, consider moving high-value items to a more secure location. This includes jewellery, important documents and small electronics that are often targeted by thieves.

7. Utility considerations: For extended absences, you might want to consider turning off the water supply to avoid leaks. Maintain a minimal level of heating to prevent pipes from freezing in cold weather, and unplug non-essential appliances to reduce the risk of electrical fires.

8. Home insurance: Contact your insurance provider to inform them of your absence. Some policies have specific clauses regarding how long a property can be left unoccupied, and you might need a special type of coverage.

How Bluedrop can help

Bluedrop offers specialised solutions for unoccupied home insurance. If your home will be vacant for 30 days or more, we provide tailored house insurance for an unoccupied house to protect against risks like theft, flood and fire. Whether it's due to work commitments, renovations or personal circumstances, we understand that life can take you away from home. With flexible coverage periods ranging from 3 to 12 months – and even longer if needed – we ensure your peace of mind during these times. Basic security measures are a must, and while renovations might have certain limitations, our policies are designed to meet your unique needs. Trust Bluedrop to safeguard your home when you can't be there.