Welcome to our Home Owners facility or "Hybrid" Owner Occupied / Unoccupied. After 12 months of engineering we will be the first in the country to offer a flexible home owners / owner occupied / unoccupied policy to agents in the UK. Underwritten by certain underwriters at Lloyd's.
What is U-Sure's Hybrid policy?
If you have an unoccupied property undergoing renovation before owner occupancy we will simply incept the policy as unoccupied and amend the unoccupied policy to be owner occupied, at which point we can add all risks and personal possessions, very much in the same way we would amend an unoccupied to be let policy. No need for cancellation.
If incepted as an owner occupied policy it will have all the benefits you would expect from a comprehensive home insurance policy. Including all risks, personal possessions, specified and non specified items.
Should an owner occupied risk become unoccupied for more than 60 days, a simple mid term adjustment is all that is required.
Types of acceptable risks.
New and now available
Hybrid - Home Owners / Unoccupied - Two risks, One policy.
Scroll down to get a quote and for further information
Wide Range of Convictions New
Wide range of non-standard constructions New
Home Workers New
Unoccupied risks undergoing work New
Holiday Homes and Weekend Homes New
Lodgers & Shared Accomodation New
Buildings S/I increased to £1Million New
Contents S/I increased to £125,000 New
Personal possessions all risks and specified items available
Upto 40% discounts available
Standard perils fire, storm, flood etc..
Simple mid term adjustment, no need to cancel
Straight forward home owners
Trace and access up to £5,000
Standard Excess £100.00
Loss of Keys
No stipulation on length of unoccupancy
Bronze, Silver or Gold Unoccupied Cover available
Two occupancy types same policy
Accidental damage to business contents up to £5,000
Part unoccupied part owner occupied
Accidental damage to gifts £2,500
Unspecified items up to £1,500
Working from home New
Unlimited specified items (subject to referral to U-Sure)
Money and credit cards
Property owners liability £2,000,000
Holiday homes now including personal contents New
Unrecovered court awards up to £2,000,000
Contents temporarily at college or university (UK Only) New
Full Accidental Damage to Buildings and Contents
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