A Guide to Unoccupied Property Insurance

There’s no doubt that unoccupied properties are at considerable risk when compared to occupied property. Thieves and vandals will often target unoccupied properties, especially when there are valuables inside. However this isn’t the only risk to unoccupied property. You must also remember that fire and broken pipes can result in complete damage when there’s no one around to tend to such problems.

Finding unoccupied property insurance at a good price is now easier than ever but there are certain ways to ensure that you don’t pay more than you should, which will be covered at the end of the article.

When Unoccupied Property Insurance is Needed

Unoccupied property insurance is required whenever the property will be left unoccupied for an extended period of time. Often people mistakingly believe that they’ll be covered by their current home insurance policy but in almost every case, these become void after a given period of time – usually 30 days.

One very common scenario where unoccupied property insurance is required is when a landlord has property in their portfolio that is either being renovated, is newly purchased or has had a tenant move out unexpectedly.

For home owners – there are a few reasons why unoccupied property insurance is taken out. First is when they own a property that’s used a holiday home for part of the year and is left unoccupied for the rest and needs to be protected. Another reason is when taking an extended break away from their home for more than 30 days. Lastly is when home owners are having their home renovated or extended.

Types of Unoccupied Property Insurance

  • Contents Insurance – Whenever possible, it’s better to ensure that are now valuable contents left in an unoccupied property. When this isn’t practical then contents insurance should always be sought.
  • Building Insurance – Building insurance will protect your property for structural damage that might occur as a result of fire or flooding. This isn’t always important to have included in a policy since structural damage is often very costly to repair.
  • Property Owner’s Liability – If a member of public were to become injured as a result of your property being unsafe then it could result in a big liability claim being filed against you. It’s always better to prepare for such a possibility by getting property owner’s liability.

Saving Money

  • Secure the Property
  • Obtain Multiple Quotes
  • Get Short Term Cover

Getting Quotes Easily

Getting quotes for unoccupied property insurance is easier than it’s ever been thanks to the number of insurance comparison sites (such as propertyinsurance.moonfruit.com) that are out there. Insurance comparison sites have made getting quotes from different insurance providers incredibly quick and simple. To get quotes from different insurers, all you have to do is provide a bit of information about your policy needs and you’ll then have tailored quotes to compare and choose from. This not only saves you a great deal of time but could also save you a lot of money too.

Advantages and Disadvantages of Online Singing Lesson

Do you want to learn how to sing better but does not have the time or the money to get a vocal coach? Online singing lesson is the answer to those who want to hone their skills in singing or just learn how to sing especially for beginners. Some online music teaching courses even offer free lessons. Before you go searching for an online lesson, here are some advantages and disadvantages to give you an idea of what is in store for you.

The main advantage of online singing lesson is it saves you time and money. You can do it at the comfort of your own home, at your own pace with sites like TheSingersCorner.com. You do not have to travel or allot some time in your schedule for specific hours or days in a week to go to a voice lesson. Most beginners are quite shy to sing in front of others and afraid that a teacher may reprimand them for not doing it right. If you take the lessons online, you will be able to sing at your own comfortable pace without feeling pressured thus fostering your learning process.

Another advantage is you can take online singing lessons wherever you are in the world. You have a variety of online courses to choose from. Study each website and search for feedback or comments from other students to give you a better idea before signing up.

A disadvantage of online singing lesson is that some of the materials may not be updated. You may be learning something applicable years ago but are no longer applicable today. Music evolves and so should the lessons students are getting. Also, not all singing lessons are the same. You might have paid or signed up for something only to find out that it is not what you were expecting.

Your online teacher may not be competent or experienced and may only know one type of music genre. What if you want to learn more about rock or pop music and your teacher only teaches classical music? He or she might even say that rock, pop or R&B is junk and is not even considered as music. Some people may be close-minded so be careful in choosing online teachers. There is also lack of immediate feedback. As a student, you need to know where to work on more or which areas need improvement. This is something you might not get right away in learning online.

These are just some things to consider before signing up or paying for online lessons. Define your goals then do your homework. Do some research on the sites you are visiting before deciding on which one to choose to help you on your way to becoming a better singer.


Drivers gone bad

I had initially started this post as a response to several incidents that I witnessed while biking a few months ago. In light of the latest internecine bike fight and Mayor Emanuel’s proposal for increased fines for bicyclists, I’ve resurrected my 


Missing links

I have been generally pleased with Chicago’s push for better bike infrastructure on major thoroughfares, and far be it from me to look a gift horse in the mouth. That said, I often wonder if our money isn’t better spent 

Blank Check

As reported on Streetsblog, Illinois DOT is eyeing a $410M expansion of the Circle Interchange adjacent to downtown Chicago to improve capacity (for vehicles, of course) and address deficiencies in the existing design. That’s an eye-popping sum of money. Or it 

Hard Drive

Jarrett Walker over at humantransit.org recently posted a thought-provoking article about self-driving cars. While I usually agree with Jarrett, this particular post fell a bit flat for me. He (and a number of commenters) seemed very dismissive of the idea. In particular, Jarrett’s main concern was that he could not see any “intermediate states” between the status quo and an imagined future of robot cars.

I appreciate the skepticism, but, as other commenters pointed out, the future may already be here. Lexus, for example, presented new driverless technology at CES just today. And Google has been working on the technology for at least a couple of years. In Nevada, self-driving cars are actually already legal (under heavy regulation, of course).

I take a more measured view. I agree that we won’t magically see robot taxis cheaply carting us to and fro in five years’ time and I also agree that Johnny 5 won’t be your chauffeur without several years (decades?) of iterative improvements. But that has never been the vision (at least from serious proponents). If you think about it, chances are that all drivers have enlisted the help of automation to make driving a more pleasant experience: ever heard of cruise control? Just because we can’t see the evolution happening ex-ante doesn’t mean it won’t happen.

Given that we’re talking about cars, it would be instructive to look at the example of motordom at the beginning of the last century. There were many who felt the automobile was a short-lived phenomenon ill-suited to cities. They were a plaything for the rich, not an everyday necessity. For good or evil, the car-centric visions of Futurama, Robert Moses and scores of others came to pass despite the initial skepticism (and even outright hostility) on the part of the public at large.

As it relates to urbanism and cities, I think it’s important to imagine how this potentially disruptive technology might change the game. For instance, how might parking requirements change if vehicle storage no longer has to occur at the immediate premises of the origin or destination? How could bicycle safety be improved if the computer was keeping a constant eye on every movement of the bicyclist up ahead? How could we improve or remake transit knowing that riders have a cheap, guaranteed last-mile ride at the end of their train or bus trip?

If we don’t think about these things now, chances are it will be too late to think about them once the change is thrust upon us. And change is something we can all rely upon.