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.

How is ‘unoccupied’ different from ‘vacant’?

Unoccupied means the property is furnished and ready to live in, but temporarily empty, for example, while the owner is away. Vacant means the property is completely empty, with no furniture or personal belongings. Insurers treat these differently, as vacant homes carry higher risk and may require more specialist cover.

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Q: What is unoccupied property insurance?

Insurance companies often deem a property ‘unoccupied’ if it has been empty for more than 30 consecutive days. However, many standard home insurance policies will not provide cover for vacant homes in this manner, so it is important to go with a broker who can offer you unoccupied property insurance that gives you the protection you need.

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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.

How to insure a house that is unoccupied

Assess the vacancy period

Decide how long the property will be empty, as most insurers offer 3, 6, 9, or 12 month policies.

Gather key details

Note the property type, rebuild cost, and any security measures like alarms or regular inspections.

Get specialist quotes

Use QuoteSearcher to connect with brokers who provide tailored unoccupied property insurance.

Compare cover and duration

Review your options for buildings, contents, and legal protection, and choose a policy that fits your needs.

Keeping the property well-maintained and secure can help reduce your premium

FREQUENTLY ASKED QUESTIONS ABOUT UNOCCUPIED PROPERTY INSURANCE

- What is unoccupied property insurance?
  Unoccupied property insurance is designed for buildings that are left empty for longer than the period typically allowed under standard home insurance policies. Brokers can help arrange cover that reflects the increased risks associated with vacant properties.
- When is a property considered unoccupied?
  A property is usually considered unoccupied if it has been left empty for a continuous period, often between 30 and 60 days, depending on the insurer. Brokers can confirm how different insurers define unoccupancy and when specialist cover may be required.
- Do I need unoccupied property insurance?
  If your property will be empty beyond the limits of a standard home insurance policy, you may require specialist cover. Without it, certain risks such as theft, vandalism, or escape of water may not be covered depending on your policy terms.
- What does unoccupied property insurance cover?
  Cover will vary depending on the insurer, but policies may include buildings and contents insurance, protection against risks such as fire, flood, theft, and vandalism, as well as options for legal expenses or rebuild cost cover. Brokers can outline what is available based on the property and circumstances.
- Why is unoccupied property considered higher risk?
  Empty properties can be more vulnerable to issues such as undetected damage, burst pipes, vandalism, or unauthorised access. Because there are no occupants to identify problems early, insurers often apply different terms and conditions to reflect this increased risk.
- Can I insure a property that is being renovated?
  Yes. Properties undergoing refurbishment or renovation can often be insured under specialist unoccupied property policies. Brokers will typically assess the scale of works and whether the property is habitable when arranging cover.
- Can landlords insure properties between tenants?
  Rental properties that are temporarily vacant between tenancies may be covered under specialist policies. Brokers can arrange policies that reflect short-term unoccupancy while protecting against risks during this period.
- How long can I insure an unoccupied property for?
  Policies are often available for fixed terms such as three, six, nine, or twelve months, depending on how long the property is expected to remain vacant. Brokers can help arrange cover that aligns with your timeframe.
- Can I switch back to standard home insurance once the property is occupied?
  Yes. Once the property is lived in again or regularly occupied, you can usually move back to a standard home insurance policy. You may wish to review your cover at that point to ensure it remains appropriate.