Unoccupied property insurance
- Recurring
The short answer
Empty homes, probate and between-tenancy cover
- Price from
- £200.00
- Time on site
- 15 to 30 minutes for a quote
What you get
You get a specialised insurance policy designed to protect a vacant property from a broader range of risks than standard home insurance allows, covering the building and often limited contents.
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When do you need a Unoccupied property insurance?
You need unoccupied property insurance as soon as your property becomes vacant, especially if it will be empty for longer than the period your standard home insurance permits (usually 30-60 consecutive days).
What happens on the day
You will need to provide details about the reason for unoccupancy, the expected duration, security measures in place, and plans for property checks. The broker will then provide tailored quotes and policy conditions.
How to prepare
- Reason for unoccupancy (e.g., probate, renovation, between tenants)
- Expected duration the property will be empty
- Details of security measures (e.g., alarms, secure locks)
- Plans for regular property inspections and by whom
- Current value of the property and any remaining contents
How to improve your result
- Arrange for regular inspections of the property by a trusted person.
- Maintain good external lighting and a tidy garden to give an occupied appearance.
- Ensure all services (water, gas, electricity) are turned off if safe to do so.
- Inform neighbours that the property will be empty so they can report suspicious activity.
Why it is useful day to day
Provides essential financial protection and peace of mind when your property is vacant, mitigating the increased risks of theft, vandalism, or undetected damage that standard policies won't cover.
Why we ask these questions
We ask about the reason for unoccupancy, how long it will be vacant, property security, and inspection schedules to understand the increased risk level. This helps us secure appropriate cover and advise on necessary precautions.
Frequently asked questions
Often needed alongside
Probate
Grant of probate and estate administration
- Recurring
Landlord insurance
Buildings, contents and liability for let property
- Fixed price
Valuation
Market, probate or lending valuation
- Recurring
Home (buildings) insurance
Buildings cover for owner-occupiers
- Recurring
Contents insurance
Cover for belongings
- Fixed price
- Recurring
Key holding & void checks
Empty property inspections
- Recurring
Commercial property insurance
Offices, shops, industrial units
House clearance
Probate, void and full clearances