Unoccupied property insurance in Ware
- 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 should get this cover if your property will be empty for more than 30 days.
- When waiting for new tenants to move in.
- While a property is going through probate.
- During big building works or renovations.
- If you move before your old home sells.
- When you go on a very long holiday.
What happens on the day
Your professional will ask for specific details to set up your policy correctly.
- Explain why the home is currently empty.
- Provide details on door and window locks.
- Confirm how you will manage the heating.
- State how often you will visit.
- Share your plans for the property's future.
As a guide, prices often range from £200 to £1,000 depending on the risks.
How to prepare
- Check your current policy expiry date
- Install high quality locks on doors
- Secure all windows and outbuildings
- Set the heating to a minimum
- Turn off the main water supply
- Remove all post and junk mail
- Clear any valuable items from view
- Find someone to do regular visits
How to improve your result
- Install a smart security camera system
- Use timer plugs for evening lights
- Keep the garden tidy and neat
- Ask a neighbour to park outside
- Seal up the letterbox if possible
- Drain the water system in winter
Why it is useful day to day
This insurance gives you peace of mind that your investment is safe.
- It covers the cost of squatter removal.
- It pays for repairs from burst pipes.
- It helps if vandals target the building.
- It keeps you legal during property sales.
- It protects your wealth and assets.
Why we ask these questions
Insurers need to know how you will keep the property safe while it is vacant.
- They check if the home looks lived in.
- They ask about security alarms and locks.
- They need to know about fire risks.
- They look at the local crime rate.
- They ask about water and heating systems.
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