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At PJ Insurance, we’re dedicated to finding the most suitable and cost-effective insurance solutions for you.
With access to a wide panel of insurers, we handle the comparisons — saving you time and effort. Our broad expertise across all areas of insurance means you’ll have knowledgeable support from the moment you get in touch through to ongoing advice and claims assistance.
PJ Insurance specialises in property insurance, including cover for unoccupied buildings.
If your property is going to be empty — whether due to a sale, probate process, or renovation work — it’s important to let your insurer know. Most standard policies limit unoccupied periods to 30 days.
If your property will be vacant for longer, you’ll need a dedicated unoccupied property policy to ensure you remain properly protected.
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It is so important that you know the value of not only your home but all the contents of what you want to insure. Be realistic and consider all belongings, especially your wardrobe; you will be surprised the value of what you own. Other considerations are any expensive items over the value of £1500 and any contents you wish to insure away from the home.
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A standard insurance policy typically covers major risks such as flood, fire, storm damage, and theft.
It may also include property owner’s liability cover — protecting you if someone is injured or their property is damaged due to something related to your building.
For instance, if a loose roof tile were to fall and damage a neighbouring property, this cover would help with the associated costs.
Comparing the insurance market to check that you get the best value insurance policy is vitally important because rates can vary massively. It’s also important to consider the differences in the cover available and consider whether you need professional insurance advice before making your choice.
PJ Insurance is a specialist in the property insurance sector. We have access to a variety of leading UK insurers and can provide you with the specific cover that you need – often saving you money over generic policies.
If a property is unoccupied, you do need to declare that with your insurance provider. Whether you are selling the property or awaiting probate, or simply because the building is being renovated, you need to ensure that you have adequate insurance. Typically, a regular insurance cover will stipulate that the property should not be unoccupied for more than 30 days. If your property is going to be unoccupied for longer, you should get a specific policy for unoccupied property.
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