Unoccupied House Insurance

[Skyedriver]

Father in Law died in January and his home is currently unoccupied.

Present insurers (Aviva) have extended the cover for 60 days but can't continue beyond that time.

I'm looking for some form of insurance cover until such times as it is sold. There will be family calling in to check it.

Any recommendations please?

Thanks.

[Arrivalist]

There are lots of insurance companies that will offer what you need.

I’d contact a broker.

[Edible Roadkill]

I’ve had to do similar recently, I used ceta insurance. The mainstream ones don’t seem to handle long term empty properties.

[LimmerickLad]

we have ours with : https://abcord.co.uk/unoccupied-property-insurance...

[OIC]

Sounds like he wants to make sure the tenant doesn't try to stay after the owner dies.

Can you still do periodic rolling tenancy agreements after the new Act comes in?

I got out of the residential BTL market years ago.

Not worth the aggro.

[LimmerickLad]

OIC said:

Sounds like he wants to make sure the tenant doesn't try to stay after the owner dies.

Can you still do periodic rolling tenancy agreements after the new Act comes in?

I got out of the residential BTL market years ago.

Not worth the aggro.

Skyedriver said:

Father in Law died in January and his home is currently unoccupied.



Thanks.

[OIC]

LimmerickLad said:

OIC said:

Sounds like he wants to make sure the tenant doesn't try to stay after the owner dies.

Can you still do periodic rolling tenancy agreements after the new Act comes in?

I got out of the residential BTL market years ago.

Not worth the aggro.

Skyedriver said:

Father in Law died in January and his home is currently unoccupied.



Thanks.

Supposed to be a reply to the 'tenancy and income tax' thread - sorry.

I blame the cat.

Not the G+T obviously.

[LimmerickLad]

OIC said:

LimmerickLad said:

OIC said:

Sounds like he wants to make sure the tenant doesn't try to stay after the owner dies.

Can you still do periodic rolling tenancy agreements after the new Act comes in?

I got out of the residential BTL market years ago.

Not worth the aggro.

Skyedriver said:

Father in Law died in January and his home is currently unoccupied.



Thanks.

Supposed to be a reply to the 'tenancy and income tax' thread - sorry.

I blame the cat.

Not the G+T obviously.

[Skyedriver]

Arrivalist said:

There are lots of insurance companies that will offer what you need.

I d contact a broker.

Actually, there isn't as many as you'd expect and the one recommended by the BIBA seem rather expensive.

[Skyedriver]

LimmerickLad said:

we have ours with : https://abcord.co.uk/unoccupied-property-insurance...

Thanks, I'll give them a try and "ceta", thanks Edible Roadkill

[NiceCupOfTea]

Similar situation with my parents' house - we are using a company called Gallagher - recommended by the previous insurers whoever they were. They have been good although we have not needed to claim! They do some contents cover as well. One thing to note is that they do expect you to check in on the place at least every 2 weeks (presumably so things like leaks don't get too out of hand). It's more expensive than normal house insurance, I think ours is under a grand for a year still though.

[Arrivalist]

Skyedriver said:

Arrivalist said:

There are lots of insurance companies that will offer what you need.

I d contact a broker.

Actually, there isn't as many as you'd expect and the one recommended by the BIBA seem rather expensive.

Unfortunately the insurance companies see it as high risk.

A bit like getting insurance when having building work done.

[Jayyy]

Home Protect have always been best for me for long term empty properties.

[jesusbuiltmycar]

I used Home Protect for my late father’s property until it finally sold.

[Killer2005]

I used direct line in similar circumstances. Didn't go through a broker, they were already covering my parents house so I spoke to them as an executor and they changed it all over for me.

[Armitage.Shanks]

Put the insurance in your name. If you've got 30 days unoccupied cover, move in overnight for a day each month so the rolling 30-days starts again. Job jobbed.

[Tighnamara]

Armitage.Shanks said:

Put the insurance in your name. If you've got 30 days unoccupied cover, move in overnight for a day each month so the rolling 30-days starts again. Job jobbed.

Do not do this, can imagine the discussions if you need to claim…….

Just taken out Probate insurance with InsureMy, reasonable priced, as others have said there are a few to choose from.

[LimmerickLad]

Armitage.Shanks said:

Put the insurance in your name. If you've got 30 days unoccupied cover, move in overnight for a day each month so the rolling 30-days starts again. Job jobbed.

As long as the Executors agree as I would think it would be their necks on the line if something went wrong.

[rdjohn]

When my MiL died, the undertaker put a notice in the local rag. A few days later, her house was burgled and a new flat-screen stolen. Saga paid out, but would not go beyond 60-days.

It was not difficult to obtain insurance until the bungalow was rented. Many years later we wanted to sell it and again we easily arranged cover with a local broker. It is common practice.

[worsy]

We used Home Protect when FiL passed. They stipulate a regular visit, IIRC weekly.