Best Home Insurance for empty house

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Best Home Insurance for empty house

Here we talk about home insurance policy plans for empty house. We compare all companies plan and police. We also tell you that which company policy is good for you and which one is not. This type of policies available for other homes and properties waiting for probate, sale or renewal. These companies cover for theft and damage, including water damage and deficiency. If insufficient period is not more than two months, the regular home insurance policy can be an option for home insurance.

Best Home Insurance for empty house (base on monthly price).

Company Name Monthly Price Annual Price Total Excess Know More
Home Protect £208.92 £188.39 £500 Know More
Intelligent Insurance £244.56 £218.41 £400 Know More
Quote Your Home £484.42 £432.89 £350 Know More
Fresh Insurance £484.93 £427.25 £100 Know More
Now 4 Cover £526.68 £478.75 £350 Know More

Best Home Insurance for empty house (base on monthly price).

Company Name Monthly Price Annual Price Buildings Cover Know More
Home Protect £208.92 £188.39 £5,00,000 Know More
Intelligent Insurance £244.56 £218.41 £10,00,000 Know More
Fresh Insurance £484.93 £427.25 £2,70,000 Know More
Quote Your Home £484.24 £432.89 £2,70,000 Know More
Now 4 Cover £526.68 £478.75 Unlimited Know More

 

NOTE: Your cover needs

Below you can find your requirements for a home insurance policy, plus the additional cover options we have let us know you need. This is all based on the answers we gave to key questions.

Just so you know

So, Some providers regularly change their prices. If you return later, the price quoted may change on the provider’s site. Please check your details and make sure the policy information is suitable for your needs before purchasing.

Property details

This article is all about home insurance for empty house. So, this policy plan is to cover this thing. If you change something its effect on the plans.

  • Mid terraced house has 4 bedrooms, 1 reception room, 3 bathrooms and 1 other room. 
  • The property is owned outright.
  • It was built in 2010 and you have lived there for 8 whole years. (The time did not affect your plan)
  • Alternative Accommodation and Replacement Locks & Keys cover are also included in this home insurance plan for an empty house.

Building construction

  • The external walls are built with a timber frame with brick walls and the roof is made of concrete with up to 40% of the roof flat.
  • It is in a good state of repair and isn’t undergoing building work.
  • Operational smoke detectors are fitted.
  • The property is not listed and has no business or professional use.

 

About your property

  • Home would cost £270,000 to rebuild (Fair estimate).
  • There are trees taller than 10m within 5m of your home.
  • It hasn’t suffered from subsidence, doesn’t have cracks on the external walls and has been underpinned.
  • Home isn’t within 400m of water and hasn’t been flooded.
  •  The property isn’t continuing to suffer from damage.
  • Home Emergency and Legal Assistance cover add in this plan.

For your buildings, you’ve asked for accidental damage cover and £250 voluntary excess. You’ve held buildings insurance without claiming for 2 years.

Residents

You’re looking to ensure your unoccupied residence, which will be left empty for 90 consecutive days. It’s occupied by the policyholder and family members (5 adults and no children). There are no smokers and there are no cats or dogs.

For anyone living in the property you have confirmed:
• Noone has a conviction or is awaiting trial.
• No one has had insurance refused, cancelled or declared void.

There haven’t been any claims in the last 5 years.

 Buildings cover

 

Voluntary excess £250
Accidental damage Yes
Years held with no claims 2 Years
Type of property Mid terraced house
Rebuild cost £2,70,000

Contents cover

 

Voluntary excess £250
Accidental damage No
Years held with no claims 3 Years
Total contents worth £40,000
High-risk items worth £12,000
Personal possessions cover £4,000
Specified items  (worth £1,500 or more) None added
Bicycles(worth £350 or more) None added
Claims or losses(in the last 5 years)

About you
(and the people you live with)

Any convictions No
Bankruptcies No
Any insurance refused No

Show quotes with these features and additional products available

Accidental Damage

This is an additional cover that protects you in the event of sudden, unexpected or visible damage to your property which has not been caused on purpose.

  • Buildings example: while in the loft your foot accidentally goes through the ceiling.
  • Contents example: spilt wine on a carpet.
  • Wear and tear or bad workmanship aren’t included and some accidental cover won’t pay out if the damage is caused by a pet.

Voluntary Excess

  • The voluntary excess shown on each quote is the closest match to the voluntary excess you requested.
  • The provider may charge a compulsory excess in addition to the voluntary excess.

Please note providers may also apply additional excesses for specific types of a claim such as escape of water excess or subsidence excess, this will be payable on top of the voluntary and compulsory excess.

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances. You’ll get a minimum £25,000 cover.

Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged. You’ll get a minimum £250 cover.

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety. You’ll get a minimum £200 cover.

Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event. You’ll get a minimum £10,000 cover.

Drains, Pipes & Cables

Covers you for damage to underground drains, pipes and cables that provide a service to/from your home and are your legal responsibility.

Features Explained

Contents Cover

This covers items from curtains and carpets to TVs and washing machines. It also includes clothing and personal possessions.

Buildings Cover

This covers damage to the structure of your home itself. This includes fixtures and fittings such as kitchens and bathroom suites.

Cover Amount

For contents cover, this covers the contents in your home to be replaced in the event of a claim.

For buildings cover, this covers the cost to rebuild your property in the event of a claim.

Excesses

The voluntary excess shown on each quote is the closest match to the voluntary excess you requested.

The provider may charge a compulsory excess in addition to the voluntary excess.

Please note providers may also apply additional excesses for specific types of a claim such as the escape of water excess or subsidence excess, this will be payable on top of the voluntary and compulsory excess.

Estimated cost of credit for Monthly Price

The cost of credit is estimated as your selected additional products may cause this to vary. The actual price will be confirmed on Fresh’s site.

Now we start to give you full descripition of insurance policy and its plan for home insurance for empty house.

Find out the best & cheap Home Insurance for you.

1.     Home Protect

About this policy: This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on HomeProtect’s site. HomeProtect has a Defaqto 5 Star Rating and rated 8.5/10 (Great) on Trustpilot.

Monthly Price: £208.92

Annual Price: £188.39

Next steps

A single payment of £188.39

Or instalments of

1 x £17.41

11 x £17.41

Total£208.92

Buildings Cover Amount £500,000
Accidental Damage Not Included

 

Excess

Buildings Cover 
Voluntary £250
Compulsory £250
Total Excess £500

Feature Explained

 

Legal Assistance Included
Home Emergency Cover Included
Replace­ment Locks & Keys Included
Alternative Accommo­dation Included
Drains, Pipes and Cables Included

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

  • £25,000 limit
  • Legal disputes for your insured home like boundary disputes or trespassing
  • Contract disputes
  • Property protection
  • Supplying a legal defence

What’s not included?

  • Employment disputes
  • Personal injury claims
  • Clinical negligence

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

  • £600 limit
  • £0 excess applies
  • Cover for a full electrical failure
  • Cover for blocked toilets
  • making the property secure after a theft or attempted theft cover in this policy
  • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
  • Roof damage caused by a storm
  • Removal or treatment of vermin and infestations

What’s not included?

  • Cover for your boiler and its controls
  • Cover for a partial failure of heating e.g no hot water
  • oil-fired boilers not included
  • Cover for boiler breakdowns in summer months

Cover for boilers which have not been annually serviced

Policy Fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £25.00
  • Duplicate document fee: £0.00
  • Payment default fee: £20.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £50.00

Pros:

  1. Temporary accommodation should your home be made uninhabitable by an insured event
  2. Damage caused by tree roots are included in home insurance for empty house.
  3. Damage to the drain as a result of a blockage
  4. Loss or theft of keys to external doors of your home

Cons:

  1. Replacement of other keys on the fob e.g car key following a loss or theft.
  2. Drains which have been damaged gradually over a long period of time.

2.Intelligent Insurance

About this policy: This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on Intelligent Insurance’s site. Defaqtorated 5 Star to Intelligent for provides one of the highest quality offerings in the market. Policyholders rate service levels high, with a 5 Star average rating on review site TrustPilot for this home insurance company.

Monthly Price: £244.526

Annual Price: £218.41

Next steps

A single payment of £218.41

Or instalments of

1 x £20.38

12 x £20.38

Total£244.56

Buildings Cover Amount £10,00,000
Accidental Damage Included

 

Excess

Buildings Cover 
Voluntary £250
Compulsory £150
Total Excess £400

 

Feature Explained

 

Legal Assitance Included
Home Emergency Cover Included
Replace­ment Locks & Keys Included
Alternative Accommo­dation Included
Drains, Pipes and Cables Included

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

  • £25,000 limit
  • Legal disputes for your insured home like boundary disputes or trespassing
  • Contract disputes
  • Property protection

What’s not included?

  • Employment disputes
  • Personal injury claims
  • Supplying a legal defence
  • Clinical negligence

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

  • £600 limit
  • £0 excess applies
  • Cover for a full electrical failure
  • blocked toilets are cover
  • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
  • Roof damage caused by a storm
  • Removal or treatment of vermin and infestations

What’s not included?

  • Cover for your boiler and its controls
  • Cover for making the property secure after a theft or attempted theft
  • So, Cover for a partial failure of heating e.g no hot water
  • Cover for oil-fired boilers
  • boiler breakdowns in summer months are include
  • Cover for boilers which have not been annually serviced

Policy Fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £25.00
  • Duplicate document fee: £0.00
  • Payment default fee: £20.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £75.00

Pros:

  1. Temporary accommodation should your home be made uninhabitable by an insured event
  2. Damage caused by tree roots
  3. Damage to the drain as a result of a blockage included in this home insurance for empty house.
  4. Cover for accommodation/kennels for pets included in this policy.

Cons:

  1. Cover for internal door locks and keys are not included in this insurance policy.
  2. Drains which have been damaged gradually over a long period of time is not clam in this home insurance policy for empty house.

3. Quote Your Home

About this policy: This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on Quote Your Home’s site. Quoteyourhome.co.uk is the online trading name for Thames bank Insurance Services Est 1989. An independent intermediary dealing with over 20 home insurers with over 50,000 policyholders. Telephone lines are open 9 am to 7 pm Mon to Thurs 9 am to 6 pm Fri & 9 am to 12.30pm Saturdays

Monthly Price: £484.42

Annual Price: £432.89

Next steps

A single payment of £432.89

Or instalments of

Deposit £69.93

9 x £46.61

Total     £208.92

Buildings Cover Amount £2,70,000
Accidental Damage Included

 

Excess

Buildings Cover 
Voluntary £250
Compulsory £150
Total Excess £350

Feature Explained

 

Legal Assitance Add Monthly: 12×£1.66 (excluding interest)

Add Annually: £19.95 (excluding interest)

Home Emergency Cover Add Monthly: 12×£3.75 (excluding interest)

Add Annually: £45.00 (excluding interest)

Replace­ment Locks & Keys Included
Alternative Accommo­dation Included
Drains, Pipes and Cables Included

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

  • £75,000 limit
  • Legal disputes for your insured home like boundary disputes or trespassing
  • Employment disputes
  • Contract disputes
  • Personal injury claims
  • Property protection
  • Supplying a legal defence

What’s not included?

  • Clinical negligence

You’ve added this. Annually £19.95 or monthly (12 x £1.66 excluding interest).

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

  • £500 per claim limit
  • £0 excess applies
  • Cover for your boiler and its controls
  • So, Cover for a full electrical failure
  • Cover for blocked toilets
  • Cover for making the property secure after a theft or attempted theft
  • Isolating/repair or replacement of leaking pipework causing damage to your home cover in this insurance plan
  • Cover for a partial failure of heating e.g no hot water
  • Cover for oil-fired boilers
  • Boiler breakdowns in summer months are cover in this insurance policy plan
  • Roof damage caused by a storm
  • So, Removal or treatment of vermin and infestations

What’s not included?

  • Cover for boilers which have not been annually serviced

You’ve added this. Annually £45.00 or monthly (12 x £3.75 excluding interest).

Policy Fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £35.00
  • Duplicate document fee: £15.00
  • Payment default fee: £15.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £35.00

Pros:

  1. Voluntary plus compulsory excess applies in this policy.
  2. This home insurance for empty house cover for internal door locks and keys.
  3. Temporary accommodation should your home be made uninhabitable by an insured event will be cover in this insurance plan.
  4. 20% of the Buildings Sum Insured limit cover in this home insurance policy.

Cons:

  1. Policy cancellation fee is high

4. Fresh Insurance

About this policy: This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on Fresh’s site. Part of Fresh Insurance Service Group, a Top 50 personal lines broker are available. Fresh Insurance winners of Personal Lines Broker of the Year at 3 events in 2017.

Monthly Price: £484.93

Annual Price: £427.25

Next steps

A single payment of £427.25

Or instalments of

Deposit     £42.73

10 x £44.22

Total         £484.93

Buildings Cover Amount £270,000
Accidental Damage Included

 

Excess

Buildings Cover 
Voluntary £0
Compulsory £100
Total Excess £100

Feature Explained

Legal Assitance Add Monthly: £12×£2.33(excluding interest)

Add Annually: £28.00(excluding interest)

Home Emergency Cover Add Monthly: £12×£3.33(excluding interest)

Add Annually: £40.00(excluding interest)

Replace­ment Locks & Keys Included
Alternative Accommo­dation Included
Drains, Pipes and Cables Included

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

  • £100,000 limit
  • Legal disputes for your insured home like boundary disputes or trespassing
  • Employment disputes
  • Contract disputes
  • Personal injury claims

What’s not included?

  • Property protection
  • Supplying a legal defence
  • Clinical negligence

You’ve added this. Annually £28.00 or monthly (12 x £2.33 excluding interest).

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

  • £3,000 limit
  • £0 excess applies
  • Cover for your boiler and its controls
  • So, Cover for a full electrical failure
  • Cover for making the property secure after a theft or attempted theft
  • This policy also cover for isolating/repair or replacement of leaking pipework causing damage to your home
  • Cover for oil fired boilers
  • Cover for boiler breakdowns in summer months
  • Roof damage caused by a storm
  • Removal or treatment of vermin and infestations

What’s not included?

  • Cover for blocked toilets
  • A partial failure of heating e.g no hot water cover in this policy
  • Cover for boilers which have not been annually serviced

You’ve added this. Annually £40.00 or monthly (12 x £3.33 excluding interest).

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £50.00
  • Duplicate document fee: £10.00
  • Payment default fee: £10.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £50.00

Pros:

  1. Damage to the drain as a result of a blockage in included in insurance plan
  2. 20% of the Sum Insured limit is cover in this plan.
  3. Temporary accommodation should your home be made uninhabitable by an insured events are included in home insurance plans for empty house.

Policy excess applies in this insurance policy

Cons:

  1. This policy not cover for internal door locks and keys.
  2. Replacement of other keys on the fob e.g car key following a loss or theft are not included in this home insurance policy.

5. Now 4 Cover

About this policy: This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on now4cover’s site. Flexible cover that adapts to your changing circumstances in this company insurance policy. Now 4 Cover rated star on Trustpitot.

Monthly Price: £526.68

Annual Price: £478.75

Next steps

A single payment of £478.75

Or instalments of

12 x £43.89

Total    £526.68

Buildings Cover Amount Unlimited
Accidental Damage Included

 

Excess

Buildings Cover 
Voluntary £250
Compulsory £100
Total Excess £350

Feature Explained

Legal Assitance Add Monthly: £12×£1.16(excluding interest)

Add Annually: £13.92(excluding interest)

Home Emergency Cover Add Monthly: £12×£8.27(excluding interest)

Add Annually: £99.19(excluding interest)

Replace­ment Locks & Keys Included
Alternative Accommo­dation Included
Drains, Pipes and Cables Included

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

 

What’s included?

  • £25,000 limit
  • Legal disputes for your insured home like boundary disputes or trespassing
  • Employment disputes
  • Contract disputes
  • Personal injury claims
  • Property protection
  • Supplying a legal defence
  • Clinical negligence

You’ve added this. Annually £13.92 or monthly (12 x £1.16 excluding interest).

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

  • No limit
  • £0 excess applies
  • Cover for your boiler and its controls
  • Cover for a full electrical failure
  • blocked toilets are cover
  • Cover for making the property secure after a theft or attempted theft
  • isolating/repair or replacement of leaking pipework causing damage to your home is included
  • Cover for a partial failure of heating e.g no hot water
  • Cover for oil fired boilers
  • boiler breakdowns in summer months are cover
  • Roof damage caused by a storm

What’s not included?

  • Cover for boilers which have not been annually serviced
  • Removal or treatment of vermin and infestations

You’ve added this. Annually £99.19 or monthly (12 x £8.27 excluding interest).

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £0.00
  • Duplicate document fee: £0.00
  • Payment default fee: £10.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £0.00

Pros:

  1. Loss or theft of keys to external doors of your home cover in this home insurance for empty house.
  2. Temporary accommodation should your home be made uninhabitable by an insured event is cover in this policy plan.
  3. Damage to the drain as a result of a blockage are cover in this insurance plan.

Cons:

  1. Drains which have been damaged gradually over a long period of time are not cover in this policy.
  2. Replacement of other keys on the fob e.g car key following a loss or theft are not included in this insurance company.

Conclusion on home insurance for 6 bedrooms:

When we compare all insurance companies detail for home insurance for empty house now we conclude that Home Protect insurance company rate is very low for this type of insurance.

Home Protect, and Intelligent insurance companies give you all features like “legal assistance and Home Emergency Cover” are included in plans.

We talk about Home Protect insurance company, its rating is very good in popular review sites like Defaqto and Trustpilot.

Intelligent insurance home insurance policy don’t take any additional charges like adjustment fee, Duplicate document fee and Payment default fee.

When we research all the home insurance plan for empty house we concluded that Intelligent insurance company plan is the best home insurance plan in all these plan. I know it’s monthly price is higher than other but they fill up all your demands and conditions. But please note one thing this is our personal review on this. Although we seek to ensure that the information provided on this policy is accurate, we cannot accept any liability for any errors or omissions, including where features of the policy have changed since we last reviewed them.

 

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