Unoccupied Home Insurance

The right cover for your empty property

• For vacant premises of up to £10 million sum insured​​

• Option to choose between either basic or extended cover

• ​Policies available for 3, 6, or 12 months

•  3 different levels of cover to choose from

​

​What is Unoccupied Property Insurance?

Unoccupied property insurance covers vacant properties and those undergoing renovations.

An unoccupied property policy is often more challenging to arrange compared to a standard property insurance policy. 

Many insurers are reluctant to provide coverage for vacant properties; as a result, premiums can be significantly higher than for occupied premises.

​

If you own a property, there may be times when it stands empty for several consecutive days, which could invalidate or severely restrict the coverage on your home insurance or landlord's insurance. ​

​In cases like this, you may typically need unoccupied property insurance (also known as empty property cover or unoccupied house insurance) rather than standard home insurance.​

​

This will ensure that your home remains protected against unexpected events that cause loss or damage, such as floods, fires, theft, and other similar risk seven to provide a quote, as insurers view this as a greater risk of leaving your property vacant.​

As a specialist insurance broker, we’re able to secure cover for even the most unusual homes. And we do so at a great rate where other companies would struggle. 

Please seek professional advice and guidance on how to protect your assets correctly; this is where we can help!

​

Start an Unoccupied Property Insurance quote.

​

Three levels of cover to choose from

Level 1

• Fire, lightning, explosion, earthquake or aircraft.

• Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)

• £100 excess increasing to £1000 in respect of subsidence

• Property owners liability upto £5m

​

Level 2

Full standard cover with cover limited for theft, malicious damage and escape of water to £2,500

• Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)

• £100 policy excess increasing to £1000 in respect of escape of water and £1000 in respect of subsidence

• Property owners liability up to £5m

​

Level 3

Full standard cover including theft and malicious damage

• Subsidence, ground heave or landslip (unless specifically excluded at quotation stage)

• £100 policy excess increasing to £500 in respect of escape of water and £1000 in respect of subsidence

• Property owners liability £5m

​

​UK Sure Unoccupied Property Insurance​

​Tailor your cover
Our specialist product designed for owners of unoccupied commercial properties, offering a number of flexible options to tailor cover to each client’s needs.

​

Standard & Non-Standard Properties

• Buildings sum insured up to £10,000,000

• Non-standard construction

• Renovations – cosmetic and minor structural

• Customers with a poor financial history or convictions​

Policy Conditions

• The property must have been lived in within the past five years

• No doors or windows should be boarded up

• If your property is unoccupied for more than 180 consecutive days — or is permanently unoccupied — your policy is limited to FLEEA-only cover

• (Fire, Lightning, Earthquake, Explosion, Aircraft or other flying devices (FLEEA) )