UK Landlord Forum / Life

Hello,

I am new to this forum and also to being a Landlord and I was wondering if anybody could help me.  I have spent all weekend on the internet comparing buildings insurance for my buy to let property and noticed that with most of them the cover stops if your property is unoccupied for more than 30 days. I understand that there might be times when I can't find a tenant and the property may be standing empty for a few months.  It seems silly that the property would not be covered for anything during this time, infact one lady told me that if I was in this situation then I might as well cancel the insurance as I am paying for nothing.  Is this the case with all insurance policies or do some policies cover your property for longer periods should the building be empty?  If it is the norm then can anybody suggest a good Insurance Company please?

Thanks Son

Try Endsleigh Insurance..........my insurance policy states the cover lapses after 120 days.

caerhays

I found www.discountlandlord.co.uk to be really efficient....their policy gave me 90 days unoccupancy between lets, good rates as well.

Normally it is more of a formality to inform them.
Sometimes it increases the cost of the policy. If it costs an extra £20 for an extra empty month it isnt too bad.

Just to say thanks for the post.  It made me look into my insurance and found out that I had the wrong cover!!  All sorted now!

Cheers!

I mean, if I am unhappy and my house is left empty for a few months, then I covered someone breaks into it or burn it down. The increased risk of this happening because the place is empty, why the insurance company has set a deadline.