With probate delays and longer renovation projects becoming more common due to higher material costs and interest rates, it’s increasingly likely that UK homeowners will face periods where their property is left empty. But what happens to your insurance when no one is living in your home? Here’s a straightforward guide to unoccupied property insurance, including what it covers, when you need it, and how it differs from standard home insurance.
What is Unoccupied Property Insurance?
Unoccupied property insurance is a specialist policy designed to protect homes or buildings that are left empty for an extended period – usually more than 30 consecutive days. Standard home insurance typically only provides cover while someone is living in the property, or for a short time after it becomes vacant. Once a property is officially “unoccupied”, your regular policy may restrict or even remove cover for key risks such as theft, vandalism, fire, or water damage. Unoccupied property insurance bridges this gap, ensuring your property remains protected during these vulnerable periods.
What is Classed as an Unoccupied Property?
A property is generally considered “unoccupied” if it is not lived in for a set period, often 30 to 60 days depending on the insurer. This can happen for a variety of reasons, including:
- Awaiting sale or completion of probate
- Undergoing major renovations or building works
- Between tenants for landlords
- Owners travelling or staying elsewhere for an extended time
It’s important to distinguish between “unoccupied” and “vacant”. An unoccupied property still contains furniture or personal belongings and is ready for someone to move back in at any time. A vacant property, on the other hand, is usually completely empty, with no furniture or possessions, and may even have utilities disconnected.
Vacant vs Unoccupied vs Occupied
| Status | Definition | Insurance Implications |
| Occupied | Regularly lived in, with residents present and utilities in use | Covered by standard home insurance |
| Unoccupied | Not lived in for 30+ days, but still contains furniture/utilities | Needs specialist unoccupied cover |
| Vacant | Completely empty of people and possessions, utilities often disconnected | Needs vacant property insurance |
Why Might You Need Unoccupied Property Insurance?
Empty properties are at greater risk than those that are lived in. The main risks include:
Theft and Vandalism
Unoccupied homes are more likely to attract criminals.
Undetected Damage
Problems such as leaks or burst pipes can go unnoticed and cause extensive damage.
Fire and Storms
With no one present to act quickly, fire or weather damage can escalate.
Liability
If someone is injured on your property, you could be held responsible, even if the property is empty.
Most standard home insurance policies will not pay out for claims if the property has been left unoccupied for longer than the allowed period. Unoccupied property insurance is designed to provide cover for these additional risks, giving you peace of mind until the property is occupied again.
Can You Insure an Unoccupied or Vacant Property?
Yes, you can, and should, insure a property that will be empty for an extended period. Many insurers offer flexible unoccupied property policies, with options for short-term (three or six months) or annual cover. This is particularly useful if you’re dealing with probate, lengthy renovations, or gaps between tenants. Some mortgage lenders also require you to maintain adequate insurance even when the property is empty.
Who Provides Unoccupied Property Insurance?
While not all mainstream insurers will cover unoccupied properties, there are plenty of specialist providers and brokers who do. These insurers understand the unique risks and requirements of empty homes and can tailor policies to suit your situation. You may need to meet certain conditions, such as regular inspections, keeping the heating on during winter, or ensuring the property is securely locked.
Real-Life Scenarios: Do You Need This Insurance?
- Probate Delays: You’ve inherited a property, but legal proceedings mean it will be empty for several months.
- Major Renovation: You’re updating a buy-to-let property and it’s uninhabitable for a few weeks or months.
- Extended Travel: You’re working abroad or travelling for an extended period, leaving your home empty.
- Rental Gaps: Your tenants have moved out and you need time to find new occupants.
In all these cases, unoccupied property insurance ensures you’re protected if the unexpected happens.
Key Points to Remember
- Unoccupied property insurance is essential if your home will be empty for more than 30–60 days.
- It covers risks that standard home insurance does not, such as theft, vandalism, and undetected damage.
- The definition of “unoccupied” varies, so check your insurer’s terms.
- Specialist policies are widely available and can be tailored to your needs.
- Always follow any conditions set by your insurer to keep your cover valid.
If you’re seeking unoccupied property insurance quotes, we’re here to make the process simple and stress-free. Get in touch with the team at QuoteSearcher today – we’d be delighted to help you find the perfect cover tailored to your needs.