House insurance

[bowls]

As anybody in the uk know of a insurance company that will

cover us for the house been empty for 90 days unatended

[John Bull]

Here's the answer I gave when you asked first-time ;)

....................................................................................................

Have you asked your existing insurer?

They may be prepared to extend in return for an extra premium.

 

Or ask a friend or relative - or even a professional house-sitter - to spend a night there. Just one night is normally sufficient to start the clock rolling again from day one. So with, say, a 40 day proviso, someone staying on the 40th night will keep you fully covered for up to 80 days, two nights will see you through a 90 day absence.

 

If you exceed the maximum un-occupied term, your cover ceases but only for certain eventualities - almost-certainly burglary, probably flooding, perhaps fire. You need to check your own policy for which eventualities will cease to be covered.

 

Different insurers have different maximum terms but a change of insurer is unlikely to give you 90 days as standard cover - and even if it did, that cost & hassle shouldn't be necessary.

.......................................................................................................

 

Won't chastise you for not seeing it - Cruise Critic is a bit complicated at the start for those of us who are technocolololologically-challenged.;)

 

If you ever get lost on these pages, just click on your screen name, top right of any page, & & it'll lead you to your posts.

 

JB :)

Edited December 19, 2013 by John Bull

[mtwingcpa]

If I recall correctly, Foremost offers a special "vacant home" policy.

 

They note, by the way, that in their scheme of things merely being away from home for an extended period of time (such as snowbirding or on a vacation) does not mean your home is vacant. "Vacant" in their book means that you have completely moved out of the place with no intention of returning.

[John Bull]

If I recall correctly, Foremost offers a special "vacant home" policy.

 

They note, by the way, that in their scheme of things merely being away from home for an extended period of time (such as snowbirding or on a vacation) does not mean your home is vacant. "Vacant" in their book means that you have completely moved out of the place with no intention of returning.

 

Not mentioned by the OP on this thread, but the property is in the UK.

 

Similar policies are offered in the UK, but they tend to be for empty & unfurnished properties, such as long-term dormant investment properties or those on the market or up for renovation, rather than temporarily-unoccupied homes. Or there are specialist second-home policies, but they too have their limitations.

 

Had the same quandary ourselves some time ago, those policies didn't provide the cover we needed, especially for burglary, contents, & squatters. A relative staying for a few nights - with the knowledge & OK of the broker - kept us covered under our existing standard policy.

 

JB :)

Edited December 19, 2013 by John Bull

[Hstergo]

What does this question have to do with a cruise forum ?

[chengkp75]

Not mentioned by the OP on this thread, but the property is in the UK.

 

Similar policies are offered in the UK, but they tend to be for empty & unfurnished properties, such as long-term dormant investment properties or those on the market or up for renovation, rather than temporarily-unoccupied homes. Or there are specialist second-home policies, but they too have their limitations.

 

Had the same quandary ourselves some time ago, those policies didn't provide the cover we needed, especially for burglary, contents, & squatters. A relative staying for a few nights - with the knowledge & OK of the broker - kept us covered under our existing standard policy.

 

JB :)

 

I remember from my time in Scotland what a hassle squatters were, back in the 70's. Is it any better, and does insurance cover getting them out?

[Shmoo here]

What does this question have to do with a cruise forum ?

 

Probably someone taking a cruise that will have them out of their house for a prolonged period of time.

[NMLady]

What does this question have to do with a cruise forum ?

 

There are cruises that last longer than 90 days, so I imagine the OP is planning for a long cruise.

[John Bull]

I remember from my time in Scotland what a hassle squatters were, back in the 70's. Is it any better, and does insurance cover getting them out?

 

Sorry, don't recall. Long time back, and squatters were in the news but not a specific risk to me.

Installing our own "squatter" resolved the issue. ;)

 

JB :)

 

ps. Yes, Hstergo & Schmoo - OP's going on a long cruise. And it's a question that arises from time to time on CC.

[dsrdsrdsr]

My own company had a six-week limit and I was on a 72-day cruise, but I spoke to them and pointed out that we had someone coming in twice a week to move the post, water the garden, etc., and they were OK with that.

 

Alternatively, as someone said further up, get a family member or friend to spend the night there just before the empty-period limit runs out. That was specific advice given by my company, so clearly they wouldn't have seen it as a cheat - though you might still be best advised to let them know anyway.