Top Unoccupied Home Insurance

An Unoccupied Home Insurance policy is needed when a property is vacant for more than 30 days. In addition, it must not be used as a holiday home. Moreover, finding cover can be difficult and costly. Indeed, there are insurers that would not insure a home in such circumstances. This is mainly due to the potential liability exposure, acts of vandalism or fire. There are several situations where you need Unoccupied Home Insurance such as:

• The owner of a property may have passed away
• The owner could be taken into residential care
• The owner is a landlord who is having difficulties in filling the property with tenant(s)
• The owner wants to sell the house and has no intention living in it
• The owner is moving away or emigrating for a long period of time (typically several years)
• The property has just been built and is ready for occupancy in the near future

At Top Insure, our dedicated team of qualified advisors are at hand to discuss any issues that you may have regarding the above, and will strive to get you the best deal possible whilst taking your specific circumstances for cover into account.

Insure your professional interests

If you run a business from home, specialist home business insurance is essential for ensuring that you are covered for the contents of your office and any loss of money, as well as public liability, and employer’s liability if you have staff working for you. If you’re running a business from your dwelling you should already have standard home insurance; however, this won’t cover you in the same way as a business insurance policy tailored to your personal needs.

Home business insurance from a broker you can trust

In some cases, insurers offer limited cover for business activity from your home. The nature of your business may mean that some insurers are less inclined to cover you, or will charge higher premiums. Business activities such as traditional office-based business, hobbies and crafts, and sales reps are typically favoured over activities including the retail of products, woodworking, and vehicle repair. If your home is also the home of your business activities, you certainly want assurances that it’s properly insured. As specialist brokers, Top Insure have access to a range of insurers who offer enhanced home insurance policies that will cover you for business activities at your dwelling. As a result, homeowners can carry out commercial activity in their home. In effect, this policy is the best of both worlds; on the one hand, you have all the benefits of a standard home insurance policy, whilst on the other hand, your home business also has many benefits of commercial insurance. We cover many types of businesses like home salons, hairdressers as well as general office use; so whether you are planning to start a business from home, or you’re already running a business and unsure about your current cover, contact us for top advice today.