A Look at Healthy Paws Pet Insurance

Healthy Paws is one of the fastest growing providers in the pet insurance industry. The company counts customer satisfaction and great coverage as the two biggest contributors to their success.

Considering there are more pets than people in the US and most pet owners want their dogs or cats to be happy and healthy, growth in pet health care is projected to steadily rise in 2016 and beyond.Have you thought about pet insurance? You, like most pet paretns probably want what’s best for your pet whether you own a dog or cat.

I mean you want to see your puppy jumping up and about, or the kitten rolling on the carpet or sofa playfully. A known fact is that your faithful companion will get injured after an accident, or will fall sick. We also know that cost of treatment, surgery, and related issues can be quite high. We took a closer look at this popular pet insurance provider and summarized the good and bad facets of their coverage below in our healthy paws review:

The Good

-Comprehensive Coverage: the One Plan, Four Paws plan caters for most issues that may affect your dog or cat. These include illnesses, accidents, emergency care, genetic conditions, cancer, and alternative care.

– Unlimited Benefits: This plan doesn’t come with any caps on claims or age limit. Also, did you know that no other firm apart from Healthy Paws provides these lifetime benefits with annual deductible?

-Unrestricted Hereditary and Congenital Conditions- The pet insurer offers an unlimited cover on any hereditary and congenital conditions as long as it was enrolled before it reaches six years. The other requirement is that the condition shouldn’t be pre-existing or occur while waiting.

-Annual Deductible: The deductions are done annually and will cover any accident/injuries, sickness, hereditary and congenital condition that takes place within the year. The plan starts from as low as $15 for cats and $25 for dogs.

-Alternative Therapy Coverage: This caters for treatment using alternative techniques such as chiropractic care, acupuncture, and other related methods. The method however should have been recommended by a qualified and certified veterinarian.

-No Age Restriction: Looking at Healthy Paws reviews, we see that you can enroll your puppy or kitten as soon as its only 8 weeks old. You also don’t have to worry about your aging pet since there is no age limit.

-Fast Service Delivery and paperless claims: The Company relies on highly-trained and competent veterinarians to process claims within 3 to 10 working days. Furthermore, you don’t need a claim form to make a claim.

The Bad

-Although the firm offers hereditary and congenital coverage, you need to make sure the puppy or kitten is enrolled before it attains the age of six years. Doing it afterwards attracts an additional cost. The pet also has to wait for 12 months to fully qualify.

-Limited Hip Dysplasia: Pets older than 6 years are not eligible for hip dysplasia coverage. This means that you will pay for treatment out of your pocket.

-No Behavioral Coverage: Healthy Paws doesn’t offer cover on behavioral issues such as destructive chewing.

-Zero Cover for Wellness: Healthy Paws doesn’t provide plans for wellness care.

The Bottom Line

Going by the above review we see that Healthy Paws offers unlimited lifetime benefits, paperless claims that can be done through any device, cover on hereditary and congenital conditions, alternative therapy coverage, annual deductible, comprehensive coverage, and fast service delivery. However, the pet insurer only offers hereditary and congenital coverage for pets enrolled before they reach 6 years; there is no behavioral coverage, and no wellness cover. All-in-all, In addition to having rated the best Pet Insurance provider in 2013, 2014, and 2015 despite entering the market in 2010, the Healthy Paws reviews show why the provider is among the top.

Wandervale Executive Condo

Wandervale Executive Condo and Sol Acres EC is ready to be the following argument inside of the Choa Chu Kang bequest in District 24. Another prestigious task by Sim Lian Group, the new EC in Choa Chu Kang Drive meeting Teck Whye Crescent will be including 534 sumptuous private units in 9 towers of 13, 15 and 17 stories. The 19,058 sqm plot of area is effectively bidded with a triumphant offer of $2,074,000. This means around $360 per square foot per plot ratio(psf ppr) and an earn back the original investment cost of $700 – $720 psf, along these lines conveying an expected Wandervale EC cost to $800 psf.


The area of Wandervale EC is certainly engaging occupants in bequest. Deliberately situated next to Mi Casa and The Rainforest, the 99 year leasehold EC is inside of a 7 minutes strolling separation, occupants can get to the heart of the Choa Chu Kang where Choa Chu Kang MRT Station, Choa Chu Kang Bus Interchange, Choa Chu Kang Public Library, Choa Chu Kang Polyclinic, Choa Chu Kang Community Club, Lot 1 Shopping Mall and Choa Chu Kang Center where there are a lot of conveniences, for example, therapeutic, youngster care and managing an account administrations, even Choa Chu Kang Park are close to you! To beat up to the comfort, Wandervale EC is additionally inside of short driving separation to numerous other shopping centers, for example, Greenridge Shopping Center, Yew Tee Square, Yew Tee Point, Bukit Panjang Plaza, Teck Whye Shopping Center, Keat Hong Shopping Center, Limbang Shopping Center and Sunshine Plaza taking into account your family needs.


Wandervale EC designers Sim Lian Group is recorded on Mainboard of the Singapore Exchange with more than 35 years of involvement in property advancement and development in Singapore. Past effectively offer out private ventures added to their repertoire incorporate Parc Lumiere, Bleu @ East Coast, The Amery, Carabelle, Viz At Holland, Parc Vera, Clover By the Park, Waterview, Rochelle at Newton and The Lincoln Residences. Such a legitimate organization being perceived as Singapore’s Top 100 brands for five back to back years, purchasers of Wandervale EC can be rest guaranteed of the quality to be conveyed.


Potential Upside – Executive Condominiums are extraordinary to Singapore. first clocks can even get up to $30,000 of stipend while there will likewise be no Cash Over Valuations(COV) and specialists charges to be paid. The benefit modest bunch of Singaporeans can acquire it just if the qualification conditions are satisfied. Get in touch with us NOW to check your qualification and visit our Wandervale EC showflat today!


Availability – Wandervale EC is very much associated with whatever is left of the Island through Kranji Expressway(KJE) that connections drivers to Pan-Island Expressway(PIE) and Bukit Timah Expressway(BKE). On the other hand, inhabitants can take a short walk around the Choa Chu Kang MRT station serving the North-South Line or even take a van transport from inside of the apartment suite to the future Bukit Panjang Integrated Transport Hub. The new Hub will be highlighting an aerated and cooled transport trade and a shopping mall(Hillion Mall) with the MRT serving additionally as an Interchange that associate workers to the future Downtone Line.


Instructive Institutes – Al – Khair Mosque Kindergarten, PCF Chua Chu Kang Blk 10-8, PCF Chua Chu Kang Blk 123-208, Metamorphosis Kindergarten, Methodist Church Of The Incarnation (MCI), CGM Kindergarten, Ichiban Nurtureland Kindergarten (Choa Chu Kang), Ichiban Montessori Kindergarten, Hanis Montessori Kindergarten (Choa Chu Kang), PCF Keat Hong Blk 411, South View Primary School, Teck Whye Primary School, Chua Chu Kang Primary School, Kranji Primary School, West View Primary School, Concord Primary School, De La Salle School, Yew Tee Primary School, Chua Chu Kang Secondary School, Teck Whye Secondary School, Regent Secondary School, Bukit Panjang Government High School, Kranji Secondary School, West Spring Secondary School, Unity Secondary School, Zhenghua Secondary School, Fajar Secondary School are inside of close nearness to Wandervale EC


Uncommon Location – Expected Wandervale EC TOP to be in mid of year 2019, it will be one of only a handful few constrained ECs in Choa Chu Kang after The Rainforest and Sol Acres EC. Furthermore, it will likewise be one of only a handful couple of ECs in Singapore that is inside 500m to a MRT station to date other than Visionaire EC, Criterion EC, Brownstone executive condo  and The Rainforest.

Parc Life EC at Sembawang

Parc Life EC at Sembawang Crescent/Sembawang Drive is a forthcoming Executive apartment suite that incorporates TBA hinders with an aggregate of TBA exe townhouse units which run from 2, 3, 4 room units and penthouses. Parc Life EC advancement is only a couple of minutes stroll to Sembawang MRT Station. It is likewise inside of strolling separation to the famous Sembawang Shopping Center furthermore Sun Plaza, helpfully. The soonest foreseen TOP of the improvement: end 2018 or prior.


Outside your home space, parc life ec floor plans arranges makes your life space turns into a nearby paradise with astute and close offices all around. Lounge places secured in rich arranging reproduces life in a tropical paradise.


Parc Life sembawang ec dispatch deck rec center and clubhouse are coordinated with scene locale quality offices and the condo squares. The improvement accompanies a game and wellness corner and offices which incorporates advanced rec center, extensive joggers’ track, 50m lap swimming pool and open air tennis court. Other Parc Life EC offices contain carefree youngsters’ play area, outside BBQ pits, jacuzzi and recreation wadding pools.


Parc Life EC floor arranges building with its excellent and exceptional viable design allows each individual segment an amazing perspective, greatest confinement and awesome slant. Outstanding use of the loft unit space makes it one of the viable and looked for after level design. The task design extensive and huge overhangs empower a close dinning in the open skies inside of their own comfortable and home environment.


Parc Life EC Facilities


Outside your home space, your life space turns into a close paradise with keen and hint offices all around. Lounge regions secured in lavish finishing reproduces life in a tropical heaven.


Parc Life Singapore deck exercise center and clubhouse are incorporated with the flat squares and scene zone highlight offices. The improvement is furnished with a game and wellness corner and offices which incorporates cutting edge rec center, open joggers’ track, 50m lap swimming pool and outside tennis court. Different offices incorporate carefree kids’ play area, outside BBQ pits, jacuzzi and recreation wadding pools.


Parc Life EC Floor Plan and Layout


Parc Life EC floor arranges structural with its great and phenomenal useful format permits each individual unit an amazing perspective, incredible introduction and most extreme security. Magnificent utilization of the flat unit space makes it one of the looked for after and viable condo design. Parc Life format enormous and roomy galleries permit a sentimental dinning in the open sky in their own home and agreeable environment.


Parc Life EC floor arranges compositional with its remarkable and extraordinary down to earth design allows each individual segment a stunning perspective, most extreme separation and awesome slant. Excellent use of the loft unit space makes it one of the down to earth and looked for after level format. Parc Life design extensive and gigantic galleries empower a personal dinning in the open skies inside of their own comfortable and home environment.


Fraser Centrepoint Homes is positioned among Singapore top offering improvements and is focused on accomplishing the most elevated quality homes in Singapore. Till date, Fraser Center Homes has assembled more than 13,000 quality homes and it achievement is because of its steady seek after of value destinations and all around timed buy of area deals in Singapore to convey quality but then reasonable homes to Singaporeans.


Fraser Centrepoint Homes has likewise accomplished various recompenses including the Green Mark grants and additionally Construction Quality Assessment System for a large portion of its new launch condo in toa payoh activities.


Parc Life EC Location speaks to a quality home in the North as it is minutes stroll to Sembawang MRT and also Sembawang Bus Interchange. Additionally, the recently opened and remodeled Sun Plaza give Parc Life EC proprietors a chance to invest some quality energy with their family and companions.


Parc Life is likewise effectively available to Sembawang Shopping Center and also a large portion of the diners along Sembawang Road.

New Toa Payoh Condo

New Toa Payoh Condo Club, otherwise named as The Gemini Residences/Skies 39 townhouse condo is a 99-years leasehold dispatch apartment suite improvement that is created by Evia Real Estate in Toa Payoh/Bradell. Situated at the intersection of TPY Lor 4 and TPY Lor 6 in District 12, Skies 39 is found mins leave to a short separation to Braddell MRT and Toa Payoh Hub. With expected conclusion in 2019, it comprises of with roughly 520 units of TBC towers. This current venture’s occupants will appreciate recreational and transportation and comforts all at their doorstep. Expects helpful and energizing way of life!


New Launch Condo in Toa Payoh Club Gemini Residences/Skies 39, new dispatch apartment suite comprise of complete offices with its lavish scene. The offices will incorporates a watchman house, clubhouse, Indoor Fitness Center and Gathering Room, Tennis Court, swimming pool and Sun Deck, Aqua Gym, Yoga Deck, BBQ Areas, Outside Fitness Station, Children’s Playground.


Toa Payoh New Condo Club Gemini Residences/Skies 39 offices give finish family diversion needs to your family and friends and family. Enjoy a serene and quiet way of life right in the focal point of Toa Payoh.


Toa Payoh New Condo Club Gemini Residences/Skies 39


Numerous transportation decisions are offered at Toa Payoh New Condo Club Gemini Residences/Skies 39 driving to Orchard requires just 10 minutes from Braddell MRT.


Arranged adjacent are additionally the Toa Payoh Safra where occupants can get their complete athletic liberality with activities.


Nature partners can enjoy the peacefulness of Macritchie Reservoir Park. Diversion for your relatives and companions are likewise readily available with the full apartment suite offices and in addition the comforts adjacent.

Do you know where the new condo in Lorong 4 Toa Payoh is on this “Preliminary Plan of Toa Payoh New Town” dated who-knows-when by who-knows-who when whoever in charge then was planning to make Toa Payoh the 2nd satellite town in Singapore? Did you remember the iconic dragon playground at Toa Payoh, it still stands along Lorong 6, opposite the newly opened SAFRA Toa Payoh. Many newly weds have come here for photo shoot. Are you one of them? Please share your wedding photos taken at the iconic dragon playground of Toa Payoh here.



Toa Payoh New Condo Club Gemini Residences/Skies 39 is likewise close awesome schools, for example, Beatty Secondary, SJI universal school, CHIJ Toa Payoh, PeiChun Public School and Raffles Institution. From the rental point of view, it can without much of a stretch take into account expats from the worldwide schools around, from the Central Business District and Marina Bay Financial Center because of Skies39 city periphery area.


Why Toa Payoh New Condo Club Gemini Residences/Skies 39?


Arranged in the full grown bequest of Toa Payoh on the city Outskirt with numerous well known sustenance close. Great transport system.


Situated inside of minutes to Braddell MRT Station. Apartment suite advancements close MRT are getting to be uncommon.


Macritchie Reservoir or Toa Payoh Safra can convey pleasure and nature to your family and companions.


Sold out ventures such as Heron Bay and Lake Life.


Simple openness to eating, different shopping and stimulation shopping center.


Simple access to CBD, Orchard shopping belt through numerous turnpikes


Full resort style apartment suite offices for you and your own family to adore.




Health Insurance – 5 effortless ways to Find the Best and economical One

One should not take the health insurance for granted, especially nowadays when there is an enormous upturn in sicknesses and other health complications. Your health insurance will definitely advantageous for you when you need it the most meanwhile it will also save you from the financial crises that is actually very frustrating. In point of fact, there are many health insurance companies in the market, which makes it crucial to choose the best yet economical health insurance company. Bellow mentioned few considerations definitely help you to ease your search. Read on!

Always Prefer a Local insurance company

The Internet makes it possible for everyone to search the insurance companies across the world that promise to offer better insurance services and facilities. However, you should always prefer a company that has a local branch in your city. If you are a citizen of Los Angeles in California, then you should search for a company that has a local branch in Los Angeles.

Detailed Research About the Company

Thousands of insurance companies are offering their services nowadays, so you should select the company that puts your faith in. You can adopt any way to search the company details, but the Internet is considered to be the best source of finding the insurance company details. You should also consider the user reviews and feedbacks before taking any final decision.

Select an insurance plan according to your needs

Actually, there are different types of plans to choose from and every health insurance plan has its own rules and regulations that’s why it is very important to read all of them and select the one which fulfill your requirements.

Compare the final costs of all available plans

Take an online calculator and compare the final costs of all the available health insurance plan. This online tool is totally free for everyone and it would definitely help you to make an economical decision.

Make necessary adjustments to the existing health insurance plan

It is very important to make the necessary adjustments to the existing health insurance plan, or you can switch to the other one that fulfill your basic requirements. Necessary adjustments are very important because health needs change every single year. You may also want to cover your children now and it requires the adjustments in the insurance plan. It is also important to understand the necessary adjustments to keep you enjoying the benefits of the health insurance.

When you have a safe method to keep yourself healthy, why should you ignore it? Take your health insurance policy and enjoy the healthy and prosperous life.

4 health insurance benefits that people probably didn’t know about

What exactly the health insurance and why a person needs it? Health insurance provides protection against the financial hardship which a person has to face due to the if he gets injured or ill. The main thing that you have to be careful regarding the health insurance is how much cost you have to pay monthly or annually. Health insurance is of four types. Some people just need one or others need a combination of two to cover up their insurance requirements. You have to check each insurance type to find out which type will be best according to your needs. Health insurance benefits differ from company to company and necessity. So it is important to check out the health insurance benefits to make sure that all the benefits that will be authorized to you are fulfilling your requirement or not? In this article I will mention the main 6 health insurance benefits that you may not know about. Let’s have a look at these one by one. Pay the bills at the time of emergency; One of the best advantages of having a health insurance policy is that you will not have to pay a heavy amount at the time accidents and the emergency situations. Nobody can control the accident disasters and some time these accidents are totally unexpected that a person doesn’t have enough money or to pay the costs, but in the case of the insurance plan, you will not have to pay the large sum of money insurance company will pay these dues on your behalf. Medical bills; In the case of the unexpected family health situations – like sudden diagnosis of a cancer of a family member and other these sort of diseases. At such times, many people wouldn’t have the resources to pay the bills. The insurance benefits support a person in these situations by paying all the medical bills of a person. This way, a person doesn’t have to face a hard time. Schedule the appointment with the doctor; The third advantage of having a health policy is that sometimes people don’t have enough time for the routine medical check-ups and especially when the doctor is famous, people are unable to schedule a time for checkups. The health insurance benefits would ensure that you will get the necessary treatment in your suitable time frame. Pay hospitalization services expenses; To pay the hospitalization services like rent of the hospital room, fees of the specialist, doctors, surgeons, anesthetists, x-rays and laboratory fees. The cost of medicines, surgical appliances, dental and pregnancy related cost are also covered under the health insurance benefits. Nowadays it is very easy to buy an insurance plan or you can buy it online also. A wide variety of insurance plans are offered nowadays and you can easily, choose any plan according to your specific needs. Health insurance offers so many benefits and you shouldn’t have to take theses for granted.

Advice On Buying DJ Insurance

Think about this: You are playing in a nightclub in your area and it seems like everything is going wrong. One of the patrons trips over one of your speaker cables and the entire speaker cabinet tumbles and hurts a few others. Adding to the drama, a table with lit candles was knocked over by the speakers and now there is a fire. All of your equipment is totalled, the club is damaged and people are hurt. On top of this, you will not get paid for playing.

What do you do now? Well normally you would be out of luck. If you had DJ insurance, it would cover some of these problems and you could resume business as usual. Today we are going to discuss all of the insurance that is available. This can help you protect your investments in the event that you have an extreme incident like the one above or one that is mundane.

Are you confused? You shouldn’t be.

It can be quite complicated to select the best DJ insurance cover when you are a DJ, so we are going to let you know what you should look for and help you understand some of the industry lingo used by insurance companies. While they want you to be so confused that the settlements favor them, we want you to be educated and able to represent yourself well.

Here are a few things you should be on the lookout for:

– Public/General Liability: Most private venues will require you to have this (nightclubs have their own). This will cover damage to patrons and the venue in the event that there is an emergency or accident. This is typically around 1-2 million dollars in coverage.

– Inland Marine Coverage: This will help you recover costs for equipment that has been damaged  or stolen from a club or personal vehicle. For the latter, you will have to show signs of forced entry and it must have been locked and alarmed. Keep in mind that this does not cover the cost of gear that was damaged or seized by any government agency, including the police.

– Commercial Crime Coverage: This will cover you in the event that a club decides to stiff you and/or an employee of you’re or the venue steals any of your equipment.

Read Your Policy Carefully: It is important that you claim the right number of setups. You should also be careful when determining the true value of your equipment since underestimating means you will not get as much as they are worth.

Save Money: Many insurers will recommend that you join a DJ association in order to receive discounts on coverage. This is not always as good as it seems. If you join strictly for a discount it will not be worth it. Most associations charge members about $200 each year, and the discounts you receive may only be about half as much.

7DVLA changes still causing chaos

Have you noticed yet that the paper counterpart which came with your driving licence and which you have probably been carefully looking after through the years is no longer valid?


If you plan on hiring a car, the message will soon get home to you.


What’s changed?


Quite simply, the paper counterpart – on which your previous motoring offences are recorded – is no more. In its place, the record is electronically stored by the Driver and Vehicle Licensing Agency (DVLA).


All well and good, you might think, but there are still occasions when a third party also needs access to your driving history – and nine times out of ten that third party is likely to be a hire car company.


The chaos


The chaos arises from the seemingly simple but administratively quite difficult process of extracting your driving record details from the DVLA’s computers – as reported in The Independent newspaper in June, when the change over took place.


Added to the minefield of car hire insurance – and the efforts of specialist providers of excess insurance protection such as Bettersafe – is now the confusion that continues to reign thanks to the disappearance of the paper counterpart.


Although the paper counterpart was abolished with effect from the 8th of June 2015, many motorists may still be unaware of its demise and the new system that has taken its place.


To access your driving record, you need to provide the DVLA with the number of your driving licence, your postcode, and your National Insurance number. On the strength of these details, you are issued with a digital code for access to your individual record, which you may care to print off. The so-called check code you are issued is valid for 21 days (which is an improvement on the initial 72 hours it was originally valid for).


For those travellers with the knowledge and forethought to print off a copy of their driving record, hiring a car in Europe may present no problem. Even if that record is 21 days old, many car rental companies are likely to accept the printed copy you give them.


The real problems and difficulties, however, arise for anyone who did not know, simply forgot or, in the rush to get away on holiday, overlooked the need to access and print off a copy of the computer record before leaving home.


Even if you have pre-booked the hire car for your holiday or if you have waited until you get there in order to rent one, you are almost certain to have to provide to the agent at the foreign check-out desk evidence of your history of driving convictions along with your plastic driving licence.


In the absence of a paper record, you may still be able to access your record whilst you are away on holiday – but only with the check code you used before you left home. But it is current for only 21 days and if you need to get a new one, you need to have remembered not only your driving licence number and postcode, but also your National Insurance number (which is, for many, unlikely to be among the list of essentials when packing for a holiday).


In other words, chaos continues to reign – and may do so for some time to come.


What are funeral plans?

While none of us like to be morbid, from time to time it may be inevitable that our thoughts turn to the arrangements that are made for our eventual death.


Planning for your own funeral is a kindness and a demonstration of your consideration for the surviving members of your family. After all, they are likely to have quite enough emotional and financial worries when you die, without having to worry about the funeral arrangements too.


Funeral plans are helpful for this, but what exactly do they involve?


Prepaid funeral plans


  • just as the term suggests, you pay now for all your funeral arrangements;


  • this allows you to choose and to plan the whole ceremony, making clear your own wishes and freeing your friends and relatives from some often agonising choices about what you might have wanted;


  • there is a distinct financial advantage, too, since paying at today’s prices helps you avoid the steadily increasing costs of funerals in the future and the higher costs that are likely to be incurred when you eventually die;


  • as pointed out on the Financial Adviser’s Blog, with a funeral plan from a national provider you also have the reassurance that the money you have paid is safe and secure;


  • under such plans you may nominate your chosen funeral directors, but if these become financially insolvent during your lifetime, the national provider is able to divert the funds you have paid to an alternative funeral director;


  • this is not the case, of course, if you make your prepaid funeral plans with a particular firm of funeral directors – if they go bust, your money may be completely unprotected;


Over 50s life insurance


  • it may be easy to understand the confusion in many people’s minds between prepaid funeral plans and life insurance for the over 50s – the origins of life insurance, after all, lay in saving up for your eventual funeral;


  • but there are important differences with over 50s life insurance;


  • payment of an agreed lump sum might be assured, but once it is confirmed that sum typically goes to your estate. In the meantime, your family and friends may need to pay upfront – at prices ruling at that time – for all your funeral arrangements before the insurance settlement is made;


  • your life insurance policy might include a death benefit to be paid directly to a particular firm of funeral directors, but, once chosen, this cannot be changed and the sum paid out might not be sufficient to cover all of the funeral costs;


  • over 50s life insurance, of course, tends to focus purely on the financial benefits and is unlikely to provide the same security and peace of mind in settling your final wishes specifically under a prepaid funeral plan;


  • that said, it does have other benefits. It enables people who are unable to get life cover elsewhere to have the peace of mind that upon their death, those they leave behind will receive a cash lump sum (typically up to £10,000).


When doing your friends and family a kind-hearted favour by thinking ahead and making arrangements for your own funeral in advance, a prepaid funeral plan from a national provider may prove the ideal solution. This is likely to offer the opportunity to get every detail of those arrangements firmly in place and prepaid at today’s prices – unlike the provisions of a life insurance policy for the over 50s.

What Your Home Insurance Will Not Cover

Are you planning going away for a while?  Wait, check first if your home insurance your property for damages and loss for whatever length of time you will be away.

According to the Charity Empty Homes, there are currently approximately 700, 000 empty residential buildings in England. Funny enough, few of the owners know that keeping their property empty for more than 30 consecutive days can lead to their home insurance cover becoming invalid.


It doesn’t matter whether you left your property empty to be living in a holiday home for a number  of months, or you are selling your house, or it is part of a deceased person’s estate, insurance pitfalls are just same and you can be in for a shock.

If you cannot avoid leaving your property empty for quite some times, then follow these tips to help you with managing your property:

While some insurers cover an empty property for a maximum of 30 days, there are others who will go up to three months and few insurers can go past 3 months. Regardless of the length of time that your insurer will cover you, communicating with your service provider about your empty house insurance according to www.propertytoinsure.co.uk is vital so that your policy can be changed.

If you are planning to keep your home empty for more than 3 months, then you will definitely need to look for specialist cover.

Most home insurers would withdraw some elements of your policy if you abandoned your property to water or any other malicious damage. So it is advisable to try to visit and inspect on a regular basis. If you are not in a position to go inspect your home on your own, you want to consider asking your family member, your neighbour or even paying someone to do the work for you.

Top Shape

Make sure that your property is in top shape. If it needs some overhauls be carried out, hire professionals to do the work. For instance, find an HVAC technician to service your central heating and boilers. Also, have an electrician check the entire electrical system and ensure that it is in good condition. Lastly, watch out for broken windows, fractured pipes and guttering as well as rusting locks.


Install a short-term tenant so that your property will look lived-in. Hire a cleaner once a month to come and tidy up the place.

Ensure security in your property by sealing up letter boxes to prevent vandalism, installing security alarm and motion-sensitive security lights, as well as fitting door and windows with high-security locks.

Make sure that the boiler, water pipes, and tanks are properly sealed for the winter. If necessary, turn off the water supply and drain the system.

If you probably left your home because there is some overhaul being carried out, then make sure that those working are fully insured because high odds are your insurer will not cover you for damage they cause