An inactive property can attract thieves and it's more prone to weather damage and vandalism therefore it's essential having home insurance for empty properties. We look at some of the options available to property owners to protect their unoccupied properties.

A property is classed as unoccupied if it has been empty for more than a month. There are multiple risks involved in leaving a property empty, therefore it is clear to take care of the property and a good idea to have home insurance for empty properties

This is when you could look upon the options you have, to take care of your house. To have an unoccupied property can have many risks including weather damage and vandalism. An empty property may also mean people could be trying to live there without your consent. It could also draw attention to thieves in particular so therefore an empty property has more risks.

The first stage is to have home insurance for empty properties as it's essential to take care of your property. When considering your options there are a number of agents you would go to and there will be essential information that they will look for from you such as the place of residence of the property, and how long it has been unlived in for and how long will it be unlived in for. This will determine the price for the insurance policy. However home insurance for empty properties will be more expensive than for properties that are lived in due to the risk aspect whereas with someone living in the property the risk is much less , it's not however difficult to find this type of insurance.

In order to keep your claims down, it's a good idea to ensure you take care of your property, especially during the winter such as insulating your property, making sure it's at the required standard. It is crucial to look at your property with great detail and look for anything that needs to be replaced so if there are slates missing on the roof make sure they are changed on time. The rain can also ruin the property if it isn't taken care of properly for example you have to look for any waterpooling around the walls as it would get worse.

Therefore to avoid any damaging risks to your property it is favorable to have home insurance for empty properties to take care of your investment and it is a good idea to take care of your property and take suitable precautions to protect your property from any damages.