Unoccupied Property Insurance

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Policy Features

Building Insurance

Covers the brick and mortar of the property

Contents insurance

Cover for carpets, furniture, fittings and appliances

Legal cover

Covers cost of any legal expenses in the event of claim


Many providers offer three, six, nine or twelve month policies as well as varying levels of cover.

Rebuild cost

Covers cost of demolition, debris clearance, solicitors and architect fees, and materials and labour


Tips and Advice

Keep your unoccupied property safe from any unwanted visitors.

  • Outside appearance – Maintaining a kept outside appearance is key to deterring unwanted occupants. Peeling paintwork, faded curtains and an overgrown garden are signs which hint at dereliction. Some policies will insist that you maintain the appearance of your property to help reduce the risk of vandalism or intruders.
  • Regular checks – check up on the property regularly, to ensure any crime or damage will not go long before being reported. The person visiting does not have to be the policy holder.
  • Security – install locks with a high safety rating, a good burglar alarm, and CCTV if your property is in an area which is frequently targeted by thieves, and consider removing valuables on the property.
couple views property with estate agent


    • Why Do I Need Unoccupied Property Insurance?
      Even if you have regular house or property insurance, most policies will not cover a property which has been unoccupied for more than 30 days. This is because empty properties are seen to be more likely targets for vandals and burglars, and if they are damaged it will go unreported and unrepaired for longer than an occupied property would.

I completed one simple form on the QuoteSearcher website and I received three excellent quotes. This was exactly what I was looking for!

James Kenneth - Carlisle

After searching for hours on the internet I finally came across QuoteSearcher whose partners provided me with excellent quotes far better than I had received from anyone else.

Neil Heron – Virginia Water, Surrey

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Our company registration number is 05387593 with our registered office at 8 Waldegrave Road, Teddington, Middlesex, TW11 8GT.