U-Sure Insurance
Raglan House
6-8 William Brown Close
Llantarnam Industrial Park
NP44 3AB
01633 838976

Home Owners

New Non-Standard Home Insurance - Hybrid

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.

  • Owner Occupied
  • Unoccupied to be Owner Occupied 
  • Unoccupied undergoing refurbishment to be owner occupied
  • Holiday homes and second homes to include personal possessions (NOW available)
  • No need to cancel when the risks becomes occupied or unoccupied a simple MTA is all that is needed.

New and now available

  • Convictions
  • Home workers
  • Non-Standard Construction


Hybrid - Home Owners / Unoccupied - Two risks, One policy.


Scroll down to get a quote and for further information

Benefits of choosing U-Sure for unoccupied property / home insurance

Whats Different? And some of our cover benefits. New Cover AvailableGet Quote

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

Temporary Accommodation

Loss of Keys

No stipulation on length of unoccupancy

Freezer Contents

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)

Pedal Cycles

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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