Ageas Ageas Home Insurance Sample data June 2026 · checked 2 months ago Beyond 30 consecutive days unoccupied, cover reduces to fire, lightning, explosion, aircraft and subsidence only. Theft, escape of water, malicious damage and accidental damage are excluded. Any claim arising while the home is unoccupied is subject to the higher unoccupied excess shown in the schedule. Read full terms
0 Allianz Allianz Home Insurance Sample data February 2026 · checked 3 months ago After 60 consecutive days unoccupied, theft, escape of water, malicious damage and accidental damage are excluded unless we have agreed an unoccupancy endorsement in writing. Fire, lightning, explosion, earthquake, storm, flood, subsidence and impact cover continue. Mains water must be turned off at the stopcock and the system drained if the property will be empty over winter. Read full terms
1 Aviva Aviva Home Insurance Sample data July 2026 · checked 2 months ago After 60 consecutive days unoccupied, cover for theft, attempted theft, malicious damage, escape of water and accidental damage is withdrawn. Fire, lightning, explosion, earthquake, storm, flood and subsidence cover continues. The home must be inspected internally every 14 days, water drained down between November and March, and we must be notified before the unoccupancy begins. Read full terms
2 AXA AXA Extra Home Insurance Live extraction April 2025 · checked today Once the home has been unoccupied for more than 30 consecutive days, the following are excluded: theft, escape of water, escape of oil, malicious damage, mirrors and glass, domestic heating oil, metered water, garden plants, and accidental damage. Cover continues for fire, explosion, smoke, lightning and earthquake; storm and flood; subsidence, ground heave and landslip; collision; aerials and satellite dishes; and falling trees. You must also notify AXA that the home will be unoccupied. Read full terms
3 Covéa Covéa Home Insurance Sample data March 2026 · checked 3 months ago Where the home is unoccupied for more than 45 consecutive days, theft, malicious damage, escape of water and accidental damage are excluded, and cover for glass and sanitary ware is suspended. Insured perils of fire, lightning, explosion, storm and flood remain in force provided the property is inspected weekly and a record of inspections is kept. Read full terms
4 Hiscox Hiscox Home Insurance Sample data January 2026 · checked 2 months ago Cover continues in full for up to 120 consecutive days of unoccupancy. Beyond that, theft and escape of water are excluded unless a monitored alarm is set and a keyholder inspects the property fortnightly. All other insured perils remain in force, and accidental damage continues for buildings. Read full terms
5 LV= LV= Home Insurance Sample data April 2026 · checked 4 months ago Once the home has been unoccupied for more than 60 consecutive days, theft, attempted theft, malicious damage, escape of water and accidental damage cease to be covered. Fire, lightning, explosion, storm, flood and subsidence continue. We must be told in advance, and any period of unoccupancy over 90 days requires referral to our underwriters. Read full terms
6 Zurich Zurich Home Insurance Sample data May 2026 · checked 3 months ago Beyond 90 consecutive days unoccupied, theft, malicious damage and escape of water are excluded, and accidental damage is limited to the buildings section only. All other insured perils continue. The home must be visited at least once a month and any post cleared from the entrance. Read full terms
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