- Compare unoccupied property insurance through specialist brokers
- Cover options for vacant homes and properties under renovation
- Policies designed for extended unoccupancy risks
- One short form to connect with relevant brokers
Unoccupied Property Insurance
We partner with specialist insurance providers including
Why Use QuoteSearcher for Unoccupied Property Insurance?
Properties are sometimes left empty for extended periods of time for a variety of reasons. A home may be undergoing major renovation, waiting for new tenants, or temporarily vacant while the owner is abroad. During these periods, the risks associated with the property can increase, particularly where issues such as vandalism, theft, or undetected damage may occur.
QuoteSearcher connects property owners with brokers who specialise in arranging insurance for unoccupied properties. By completing a short form on our site, you can be introduced to brokers who will discuss the circumstances surrounding the vacancy and outline insurance options.
This approach allows you to explore specialist cover without needing to contact multiple insurers individually, connecting you with brokers experienced in insuring vacant properties.
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What Is Unoccupied Property Insurance?
Unoccupied property insurance is designed for buildings that will remain empty for longer than the period typically permitted under standard home insurance policies.
Many standard home insurance policies restrict cover if a property is left unoccupied for more than a set number of days, often around 30 to 60 days. If a property will remain vacant beyond this period, specialist insurance may be required to maintain cover for the property.
Policies can be arranged for a range of situations, including residential homes, rental properties and buildings undergoing refurbishment.
Unoccupied Property Insurance Policy Features
Please note that the cover available will always depend on the property and the insurer, but policies may include the following elements.
Buildings & Contents Insurance
Protection for the structure of the property as well as internal fixtures, fittings and appliances against risks such as theft, fire or accidental damage while the property is unoccupied.
Legal Expenses Cover
Some policies may include cover for certain legal costs associated with disputes or claims connected to the property.
Flexible Policy Duration
Specialist policies are often available for set periods such as three, six, nine or twelve months, depending on how long the property is expected to remain vacant.
Rebuild Cost Cover
Policies may include cover for the cost of rebuilding the property following a major insured event, including demolition, debris removal, materials, labour and associated professional fees.
Common Reasons a Property May Be Unoccupied
There are many circumstances in which a property may remain vacant for a period of time.
Holiday Homes During Off-Season
Second homes or holiday properties may remain empty for long periods outside peak usage. In some cases, the main residence may also require temporary cover if left vacant while the owner is abroad.
Properties Between Tenancies
Rental properties are sometimes vacant between tenants. During this time landlords may require cover to protect against damage, theft or other risks while the property is empty.
Major Renovations or Refurbishment
Large-scale building work may make a property temporarily uninhabitable. Specialist insurance may provide cover during the renovation period.
Tips for Protecting an Unoccupied Property
Insurance providers may recommend certain precautions to reduce the risk of damage or unauthorised access while a property is empty.
Maintain the Property’s External Appearance
Keeping gardens maintained and the exterior in good condition can help prevent a property from appearing abandoned, which may reduce the risk of vandalism or trespassing.
Carry Out Regular Property Checks
Regular visits to the property allow any damage or security issues to be identified early. These checks may be carried out by the owner or by a trusted individual.
Improve Security Measures
High-quality door and window locks, burglar alarms and CCTV systems can help deter theft and intrusion. Removing valuables from the property may also reduce risk during extended vacancies.
