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Do Rebuild Costs Matter? For most people, when thinking about insuring a property, they naturally focus on its market value — what it would sell for today. But when it comes to insurance, market value is almost irrelevant, and the figure that truly matters is the rebuild cost . This is one of the most misunderstood areas of property insurance, and yet it really is the foundation of whether your cover will respond properly in the event of a claim - very important indeed! What

Properties become unoccupied for various reasons. Maybe you’re preparing for renovation work, the owner has moved into long-term care, or the home is tied up in probate. Whatever the situation, once a property is empty, it enters a different category in the eyes of insurers — and that’s where things can get a little confusing. This practical guide to unoccupied property insurance breaks down what you need to know.