You can easily purchase anti-squatting home contents insurance on our website. Our handy tool will calculate the best premium for you. Do you have any questions about our anti-squatting home contents insurance? If so, you can contact our customer service team every weekday from 8:30 a.m. to 5:30 p.m.
Is it a good idea to get home contents insurance if I'm living in a squat?
Home contents insurance offers many benefits. When you’re living in anti-squatting housing, you’re in a more uncertain situation. As a result, your home contents insurance will be different from that of someone with a fixed-term lease. Before we go into more detail about home contents insurance, we’ll first explain what anti-squatting housing entails.
What does "anti-squatting" mean?
"Anti-squatting" means that a home is temporarily vacant but is occupied by a small group of people called "anti-squatters." They protect the home from people who want to illegally squat in the property. When you decide to live in an anti-squatting arrangement, you do not sign a lease, but rather a loan-for-use agreement. Because of this agreement, you will have far fewer rights than you would if you had a lease.
For example, you have no say in the length of your lease agreement. This means you could suddenly be evicted from the property. In addition, things can move quickly if the landlord finds a new tenant for the property. You might then receive a letter asking you to vacate the property within two weeks. You’ll have very little time to find a new place to live.
What does anti-squatting household property insurance cover?
Home contents insurance for anti-squatting properties is actually exactly the same as home contents insurance for homes with a lease or mortgage. Home contents insurance covers all your belongings in your home. Please note: this only covers items that you can actually move. For example, your bed, closet, television, sofa, etc. Items that you cannot easily move, such as your kitchen and flooring,are not covered by home contents insurance butare covered by home insurance. With this insurance, you can be sure that everything attached to your home is also covered.
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What should you keep in mind?
If you live in an anti-squatting housing unit, most insurers view this as a higher risk. For example, one challenge is that you don’t know exactly how long you’ll need the insurance. After all, you could be evicted from your home within two weeks. If you want to cancel your household contents insurance after a short period of time, this can cost insurers money. Insurers therefore charge a higher premium for people living in anti-squatting housing.
Another factor is that anti-squatting housing is not considered safe by insurers. They tend to see more unsafe conditions in anti-squatting housing than in a typical rental property. This is another reason why insurers charge higher premiums for anti-squatters.
In addition, the premium is also calculated based on location. The address you provide is used to calculate the amount of your premium. So if you indicate that you live in a squat-proof home, your premium will be higher.
How do you get the best premium?
You can compare the different premiums offered by insurers. Just make sure you’re comparing policies with the same type of coverage —after all, you can’t compare apples to oranges. Also, always mention that you live in an anti-squatting property. If you don’t, it could have consequences. For example, if your belongings are suddenly damaged, the insurer may decide not to pay out on the claim.
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