Unoccupied Property

At KGJinsurance.com we can help you with insurance for a property that is currently unoccupied.

• Pending Renovation Work?
• Pending Sale?
• Pending Owner Occupancy?
• Pending Let?

We can arrange cover on a specific unoccupied property policy as a standard home insurance policy is not suitable for this type of situation.

The policy would usually be incepted on a “FLEA” cover basis:
Fire
Lightening
Earthquake
Aircraft

Some insurers will also grant Subsidence cover in certain post code areas.

Cover is taken out assuming the property will be unoccupied for the 12 month term of the policy.

If during the course of the year the property becomes sold, owner occupied or let, we can adjust the policy to reflect its new status.

This often results in a return premium and/or wider cover being granted.

Fill in our quick form and we will search a panel of insurers and show you our best price.

• Buildings Cover
• Limited Contents Cover
• Property Owners Liability £2,000,000

Online Quotations - Cover Options

You will be given a choice of cover
Level 1 - FLEA Cover (as per above)
Level 2 - Full Standard Cover but excluding losses caused by Malicious Damage and Theft (this section sometimes also excludes Subsidence cover - this will be confirmed at the time of the quotation)
Level 3 - Full Standard Cover Including losses caused by Malicious Damage and Theft (this section sometimes also excludes Subsidence cover - this will be confirmed at the time of the quotation)

All covers are subject to a policy excess which will be confirmed at the time of the quotation. For full details, please click the More Info button then Cover Summary to see the specifics of each quotation

Put us to the test – get a quote online or call us on 01384 390909 if you wish to go on cover.

For residential properties already let or which are holiday homes please see the relevant page.

For all other types of property not catered for on-line, please call us.