The number of days you can leave your house unoccupied on a conventional home insurance is usually 30. Even an hour over that period means that you will not be covered and would have to enrol for vacant home insurance.

Homes that are left unoccupied for an extended period are usually at risk. They are vulnerable to theft, vandalism, flood, fires, water damage, etc. So, if chances are your property will sustain damage after being left unattended for a few months, then you may want to consider home insurance for empty properties.

So, how can you keep your property safe?

The appearance of your vacant home is likely to be the first thing to draw attention suggests Roy Fever of Evolution Properties. Unoccupied property insurance requires proper maintenance of the exterior. After all, the last thing you want is to advertise that your house is vacant to every passer-by. As such, you may want to consider regularly cutting the grass, painting the exterior walls and keeping the yard in an overall appealing state.

It is ideally important to arrange for regular checks, at least once a week. This is not only to ensure that any changes to the property are quickly noticed, but also that any vandalism, damage, and theft does not go unreported. If you get along with your neighbours or have a relative or a family friend living by, you can ask them to check your property once in a while. You should also ask them to pick your letters as a full post is a sign of an unoccupied home. Alternatively, you can ask the post office to hold your letters.

Just like when you are living in the property, security is of utmost importance. Your insurance policy will require you to have at least doors locks on the windows and doors. To increase the chances of a better deal, you may want to consider installing an alarm system coupled with surveillance cameras.

So, in summary, you may want to employ these tips if you are flying out for a while:

  • Ask the neighbours to keep an eye on your home
  • Ask a friend to pick your post or ask the post office to hold the letters
  • If you are traveling during winter, you may want to take the right steps to prevent your pipes from freezing and bursting.
  • Lastly, you may want to avoid advertising that you are traveling for a while on social media.


Guest Post By Camroc1984

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  1. Alexa Bryain

    Home security most important things today life.
    Thanks for sharing this information.