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At Baldersons Insurance, we’re committed to finding you the right cover at the best possible price.
With access to a wide range of policies from trusted insurers, we do the comparisons so you don’t have to. Our in-depth expertise across all areas of insurance means we’ll support you every step of the way — from finding the right policy to handling claims.
Baldersons Insurance specialises in property insurance, including cover for unoccupied buildings.
If your property will be unoccupied — whether due to a sale, probate, or renovation — it’s important to let your insurer know. Standard property insurance often limits unoccupied periods to 30 days. If your property will be empty for longer, you’ll need a dedicated unoccupied property policy to ensure you’re fully protected.
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It’s essential to know the true value of both your home and its contents when arranging insurance.
Take time to assess everything you want to cover — including items you might overlook, like the contents of your wardrobe. You may be surprised at how much it all adds up to. Don’t forget to highlight any high-value items over £1,500, as well as any belongings you want to insure while away from home.
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A typical property insurance policy provides protection against risks such as flooding, fire, storm damage, and theft.
It may also include property owner’s liability cover — offering financial protection if someone is injured or their property is damaged due to an incident linked to your building. For example, if a loose roof tile were to fall and damage a neighbouring property, this cover would help with the resulting 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.
Baldersons 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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