if its a holiday home...........Have you considered Holiday Home insurance?
Would this be an option for your property, I believe it costs much less.
If you or your relatives stay there for a week or two once a year is it not a holiday home?if its a holiday home...........
If you or your relatives stay there for a week or two once a year is it not a holiday home?
And if someone stayed there and wasnt paying rent and broke up the 30 day unoccupancy condition with some insures it would be considered owner occupied but.......If you or your relatives stay there for a week or two once a year is it not a holiday home?
Interesting question.
My uncle is the sole owner of and was the sole occupant of his family home.
Due to a stroke he does not reside there so he lives in a nursing home for the present.
No issues of mental competence arise.
Several of his grandchildren are now in occupation of the house in a simultaneous and or a rotating fashion such that the house is virtually never unoccupied.
How does he stand from a household insurance perspective in terms of cover ?
Should he notify the insurers at renewal of the situation - i.e. is the situation a material fact to be declared ? I am beginning to suspect that it might.
P.S. No rent is being paid by the occupiers so they are not there as tenants.
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