Best Unoccupied House Insurance: Protecting Your Property When You're Away
Introduction
Leaving your home unoccupied for an extended period of time can be a cause for concern. Whether you're traveling for work or taking a long vacation, you want to make sure your home is protected. That's where unoccupied house insurance comes in. In this article, we'll explore the best options for insuring your unoccupied home.
What is Unoccupied House Insurance?
Unoccupied house insurance is a type of insurance that provides coverage for properties that are vacant for an extended period of time. This type of insurance is essential for homeowners who are away from their property for more than 30 days.
Why Do You Need Unoccupied House Insurance?
Leaving your home unoccupied can put it at risk for a variety of reasons. For example, if a pipe bursts and causes water damage, or if someone breaks in and steals your belongings, you'll want to make sure you're protected. Unoccupied house insurance can provide peace of mind and financial protection when you're away from your property.
Top Providers of Unoccupied House Insurance
1. Aviva
Aviva is a popular insurance company that offers coverage for unoccupied houses. Their policies cover a wide range of risks, including theft, accidental damage, and vandalism. They also provide 24/7 emergency assistance, so you can rest assured that you'll be taken care of in case of an emergency.
2. Direct Line
Direct Line is another great option for unoccupied house insurance. Their policies cover a variety of risks, including fire, flood, and theft. They also provide coverage for unoccupied properties for up to 90 days, which is longer than many other insurance providers.
3. Hiscox
Hiscox is a well-known insurance provider that offers specialized coverage for unoccupied properties. Their policies cover a wide range of risks, including fire, water damage, and theft. They also offer flexible payment options and a dedicated claims team to help you navigate the claims process.
What Does Unoccupied House Insurance Cover?
Unoccupied house insurance typically covers a variety of risks, including:
- Fire and smoke damage
- Water damage
- Storm damage
- Theft and vandalism
- Liability
How Much Does Unoccupied House Insurance Cost?
The cost of unoccupied house insurance will vary depending on a variety of factors, including the location of your property, the length of time it will be unoccupied, and the level of coverage you choose. However, you can expect to pay anywhere from $50 to $200 per month for this type of insurance.
Conclusion
If you're planning to leave your home unoccupied for an extended period of time, it's important to protect it with the right insurance coverage. By choosing one of the top providers of unoccupied house insurance, you can rest assured that your property will be protected in case of an emergency.
Disclaimer
This article is for informational purposes only and should not be considered legal or financial advice. It is always recommended that you consult with a licensed professional before making any decisions regarding insurance coverage.
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