Unoccupied properties are considered a greater risk, they are vulnerable to theft, vandalism and water damage due to leaks or burst pipes. If your property is unoccupied for periods exceeding 30 consecutive days, most insurers have a condition in the policy that they must be advised. If this condition is not adhered to it could invalidate the cover.
Here are some top tips for protecting your property:
- Advise your insurance broker as soon as possible as Insurers may wish to apply additional terms/premium
- Arrange for the property to be checked regularly and keep records of these inspections as this prevents problems from escalating
- Control lighting – consider a motion sensor security light and use a light switch timer (regularly changing the activation time)
- Collect mail and do not leave things hanging outside the letterbox
- Remove valuables from the property and keep keys out of sight
- Set the alarm and ensure it is kept in good working order
- Maintain all physical security – ensuring doors, windows, gates, sheds and garages are locked
- Turn off the gas and electricity supply
- Turn off and drain the water supply in winter months or set your central heating to a minimum of 15°C to prevent burst pipes
- Leave the loft access point open to circulate air
- Don’t advertise that you are away from your property on social media sites such as Facebook or Twitter.
If you are unsure about any aspect of your policy, contact our property owners team. They will be able to give you all the information and reassurance you need.
Specialist insurance for properties leased to charities, councils and housing associationsRead More
With effect from 1st October 2018, Mandatory licensing criteria will come into effect regarding Houses in Multiple Occupation (HMOs) across all local authorities in England.Read More