Unoccupied home insurance explained!

Before you head overseas or start your first Big Lap, take a few precautions to keep your home safe and travel stress-free.

Is my home insured while unoccupied?

With Apia, there is no specific home insurance for when a home is unoccupied. That being said, if you have Apia Home and Contents Insurance, your policy will continue to cover your property while you’re away.

Keep in mind that if your property has been unoccupied for more than 60 continuous days, and you make a claim for an incident that occurs at that time, an unoccupied excess will apply in addition to any other excess.

To learn more about your policy terms and conditions and what is and isn’t covered, read your Product Disclosure Statement for details.

Before you leave, check to see if any of your policies are up for renewal and ensure all your details are current. If you’re an Apia customer, it’s as easy as visiting Apia Online Services, or calling us on 13 50 50.

Keeping your house safe while you’re gone

Find a house sitter for your unoccupied house

Apia considers a house “unoccupied” after 60 continuous days of nobody living there.

You may be required to prove the occupancy of the home or unit in the event of a claim. An example of how you can prove the occupancy is providing us with copies of bills or other documents demonstrating the usage of utilities that are connected to the home or unit.

If your trip is a short one, then there is no need to worry about the unoccupied excess. But if you think you’ll be away for a while, consider asking a trusted friend or relative to house sit– it doesn’t have to be you who stays there.

Keep your house looking occupied

Even if you don’t arrange a house sitter, it can still be helpful to ask someone you trust to drop in occasionally to collect your mail, water your plants and keep the lawn trimmed. As well as keeping things neat and tidy, regular visits can make it less obvious to potential burglars that your home is unoccupied.

Does landlord insurance still cover an unoccupied property?

Like Apia Home and Contents Insurance, Apia Landlord Insurance continues to cover your property even when it’s unoccupied and the policy hasn’t expired. Similarly, an unoccupied excess applies if your property is unoccupied for more than 60 continuous days.

You may be required to prove the occupancy of the property or unit in the event of a claim. An example of how you can prove the occupancy is providing us with copies of bills or other documents demonstrating the usage of utilities that are connected to the property or unit.

To learn more about Apia Landlord Insurance, read the Product Disclosure Statement (PDS) 

Do you need separate holiday house insurance?

Your holiday home can be covered under the home insurance for that property during the period of insurance—even if it’s unoccupied—subject to your policy’s terms and conditions. This means the unoccupied excess may still apply.

However, if you plan on renting out your holiday home long-term as a place to live while you’re not there, Apia Home and Contents Insurance won’t cover any claims that may arise. Instead, you’ll need Landlord insurance. This doesn’t apply to short-term rentals or short holiday letting arrangements, like a weekend getaway, which are still covered by your Home and Contents or Apartment Insurance policy . This is an important distinction to note down, so make sure you’ve selected the right insurance for you and your needs.

You can find more information, including the applicable limits in the Product Disclosure Statement (PDS)

Does vacant land need to be insured?

If a person injures themselves on your vacant property, whether it has a building or not, you may be legally liable – even if they were trespassing.

When you’re insured for contents with Apia Home and Contents Insurance, you are covered for the legal liability to pay for compensation for death or bodily injury to other people, or loss or damage to their property, which results from an incident that occurs during the insured period on a vacant block of land you own. There are specific limits, exclusions and conditions that apply in this case, so make sure you’re familiar with what your policy covers.

This is only provided for incidents that occur within the 12 month period from the time you became the owner of the land, but the cover ends immediately if you:

• sell the land, or
• begin building or rebuilding work on the vacant block of land.

Going on an extended holiday? Here is a checklist for your unoccupied home

Here’s a quick summary of pre-travel preparations to do before you hit the road:

• Check your home insurance policy to ensure it’s up to date.
• Organise a trusted house sitter or someone who can check in on your home.
• Tell your home insurer about your travel dates if you’ll be away for more than 60 days.
• Consider organising with your home insurer for your house sitter or another person you nominate to claim on your behalf.
• Consider turning off your water mains.
• Secure valuable home contents.
• Redirect your mail and pause newspapers or other deliveries.
• Turn on security lighting, such as motion-sensor outdoor lights.
• Check to be sure all your windows and doors are secure.

If you are heading off on a caravaning adventure, you may want to consider getting Apia Caravan Insurance. That way, you might be better prepared for whatever the great open road may have in store. Take a look and decide if it’s right for you.

Explore Apia Caravan Insurance

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Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Motorcycle, Caravan, Motorhome, Boat, Travel & Compulsory Third Party Personal Injury (CTP) Insurance.

Please consider the Policy Documents before buying this insurance. Limits, exclusions and conditions apply. The TMD is also available.

This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. 

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