Unoccupied Home Insurance

It is a type of insurance policy designed for homes that are empty, typically for more than 30 days. Properties that are not occupied may face different risks from those that are occupied. For instance, a burst pipe might not be spotted for a longer period of time, resulting in increased damage and a potentially higher insurance claim. There may also be increased risk of squatters or vandalism. 

If your property is likely to be unoccupied for an extended period, be sure to check the conditions of your Home Insurance to make sure you’re covered and speak to a broker if you need to arrange cover.

The word ‘unoccupied’ relates to properties that are empty or vacant, typically for more than 30 days at a time. It might be that you’re carrying out renovation work and have moved out, that you’re selling the property or are going on a long trip. Alternatively, the property may be going through probate and sitting empty. Whatever the reasons, you may need alternative Home Insurance to cover the risks faced while the property is empty. 

For your Unoccupied Home Insurance to remain valid, you will need to meet certain responsibilities. For instance, the insurer may say that you need to drain your central heating system to avoid frozen pipes, or for someone to inspect the property regularly to ensure that no problems develop. Read your policy wording carefully to make sure you completely understand your obligations. 

Yes, it is possible to get insurance for houses in probate. If you’re the beneficiary or executor of a will, we can help you to arrange Probate Insurance, so that the property is protected during the process.

Yes, you can. They typically need specialist protection because they face risks that may not be covered by standard Home Insurance. You can arrange for a policy to be in place for a set time period, such as 60 days, 90 days, 180 days or a whole year. 

Get an insurance quote for an empty property today.

If you’re not going to be leaving your home empty for extended periods of time, it’s unlikely you’ll need it. However, if you are going to be away for more than 30 days at a time, you run the risk of invalidating your standard Home Insurance. Speak to your insurer if you’re likely to exceed that and they’ll suggest that you need Unoccupied Home Insurance.

The cost depends on a variety of factors, including where the property is located, how long it’s likely to be vacant and the time of year you’re leaving it empty. In addition, your claims history and the condition of the property will be taken into account. Our team of experienced brokers can search the market and provide quotes for your vacant property. 

Request Unoccupied House Insurance quotes online.

It doesn’t cover unforced entry. For example if a window or door is left unlocked and theft or damage occurs. Damage caused by general wear and tear will not be covered, nor will damage caused as a result of poor maintenance. You should always check the wording of your insurance policy to ensure that you understand any exclusions.