There are loads of things to think about when you’re going away on holiday – especially if you’re going away for a long time. But have you thought about what you’re leaving behind?
Some people don’t know that leaving your house unattended – especially if it’s for a long period of time – could invalidate your home insurance. Typically, your cover might be at risk if your house is empty for more than a month.
So what can you do if you’re jetting off on a long holiday – or leaving your home empty for another reason? Here are some tips from Home & Life – who provided this article.
Talk to your insurer
The best way to find out whether your insurance will cover your home while you’re on holiday is to ask. If you’re going away for longer than your policy covers, you might be able to adjust your policy accordingly. Note that this may increase your premium.
According to Thisismoney.co.uk, if you’re only going away for a bit longer than your policy limits you to, your insurer might be flexible. They might agree to extend your cover, but sometimes you will have to meet certain conditions. For example, you will probably have to prove that you’ll secure your home to high standard. In some cases you may be asked to turn off your water, gas or electricity supply.
Find specialist cover
If your insurer won’t cover you, you might have to invest in ’empty house’ insurance. This kind of insurance is likely to have a lot of terms and conditions attached. For example, many empty house policies will cover your buildings and fixtures – but not necessarily your contents. Or they may offer contents cover – but at a higher price.
In this case, it might be best to put all of your contents and belongings into storage while you’re away. It depends what’s cheaper and more convenient for you.
Consider a house sitter
The best way to make sure that your house is still covered while you’re away is to ensure it’s still occupied. Ask a friend or relative who you trust to watch your house for you.
Alternatively, there are services that help you find a house sitter online. Just make sure you go through all the appropriate procedures to make sure your house sitter is trustworthy.