Unoccupied Property Insurance for Empty Homes & Buildings
Specialist insurance for empty homes, rental properties and vacant buildings — including cover for fire, theft, vandalism and property owners liability.
✔ FCA Regulated Broker
✔ Multiple Insurer Panel
✔ Legal Expenses Cover
✔ Specialist Empty Property Cover
⏱ Takes around 9 minutes
Unoccupied Property Insurance UK
Specialist Unoccupied Property Insurance for Empty Homes & Buildings
An empty property can present different insurance considerations from an occupied home or building. When a property is left vacant for an extended period, it may be seen as higher risk by insurers, which means that standard Home Insurance or Landlord Insurance may become restricted, limited, or in some cases invalid. Because of this, specialist Unoccupied Property Insurance becomes an important consideration for property owners who need continued protection while their property is not in use.
At UK Sure, we help property owners explore specialist insurance options for vacant properties as well as properties undergoing renovations. We work with a panel of insurers to help find suitable cover based on individual circumstances. Our policies can be arranged for properties with buildings sums insured of up to £10 million, with different levels of cover available depending on the type of property and the protection required.
Unoccupied Property Insurance, also known as empty property cover or unoccupied house insurance, is designed to help protect your property against unexpected events while it is vacant. Depending on the level of cover selected, this may include protection against risks such as fire, lightning, explosion, earthquake, theft, malicious damage, escape of water and subsidence, subject to the terms and conditions of the policy.
Policies are available for 3, 6 or 12 months, with a choice of three levels of cover. This flexibility allows property owners to select an option that best reflects how long the property will remain unoccupied and the level of protection they feel is appropriate for their situation.
Whether your property is an empty home, rental property or vacant building, UK Sure can help you explore specialist insurance options through a panel of insurers, ensuring you can compare suitable cover for your specific needs while the property remains unoccupied.
⏱ Takes around 9 minutes
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Types of Unoccupied Properties We Help Insure
At UK Sure, we provide specialist Unoccupied Property Insurance for properties that are empty or undergoing renovations. Whether a property is temporarily vacant, being prepared for future use or requires specialist insurance because it is unoccupied, we can help you explore available options.
Empty Homes
If your home is left vacant for an extended period, standard Home Insurance may become restricted or invalid. Specialist Unoccupied Home Insurance can provide an alternative for properties that are not occupied.
Unoccupied Rental Properties
Rental properties can sometimes remain empty between tenants or during periods when they are not being let. Specialist unoccupied property cover can help provide protection while the property is vacant.
Properties Undergoing Renovations
Properties undergoing renovations may require specialist insurance rather than standard property cover. Policies are available for renovations, including cosmetic and minor structural work.
Unoccupied Commercial Properties
UK Sure provides specialist insurance designed for owners of unoccupied commercial properties, with flexible options available to tailor cover to the client's requirements.
Standard & Non-Standard Properties
Specialist cover is available for both standard and non-standard properties. The original product information confirms buildings sums insured of up to £10 million and cover for non-standard construction.
Properties with Previous Financial Issues or Convictions
The product can accommodate customers with a poor financial history or convictions, subject to the terms and conditions of the policy.
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What's Included
Unoccupied Property Insurance offers three levels of cover, allowing you to choose between different levels of protection for your vacant property. The cover available depends on the level selected and the terms of the policy.
All three levels include property owners liability up to £5 million, while the protection available for risks such as theft, malicious damage and escape of water varies between levels.
Level 1
It includes:
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Fire
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Lightning
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Explosion
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Earthquake
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Aircraft
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Subsidence, ground heave or landslip, unless specifically excluded at quotation stage
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£100 excess, increasing to £1,000 for subsidence
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Property owners liability up to £5 million
Level 2
Level 2 provides full standard cover, with theft, malicious damage and escape of water limited to £2,500.
It includes:
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Subsidence, ground heave or landslip, unless specifically excluded at quotation stage
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£100 policy excess
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£1,000 excess for escape of water
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£1,000 excess for subsidence
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Property owners liability up to £5 million
Level 3
Level 3 provides full standard cover, including theft and malicious damage.
It includes:
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Subsidence, ground heave or landslip, unless specifically excluded at quotation stage
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£100 policy excess
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£500 excess for escape of water
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£1,000 excess for subsidence
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Property owners liability of £5 million
Optional Cover
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Flood & Storm Protection
How to Buy Unoccupied Property Insurance
Buying Unoccupied Property Insurance starts with providing information about your property and its circumstances. This helps insurers assess the risks associated with an empty property and determine the available cover.
01 Identify the Cover You Need
Consider how long your property will remain unoccupied and the level of protection you require. You can choose between three levels of cover, with policies available for 3, 6 or 12 months.
02 Provide Your Property Information
When requesting a quote, provide the relevant details about your property, including its circumstances and whether it is undergoing renovations.
03 Request a Quote
Click the Get a Quote button and provide your property details. UK Sure can help you explore specialist Unoccupied Property Insurance through a panel of insurers.
04 Choose Your Policy
Review the available options and select the level of cover that best suits your property and requirements.
05 Receive Your Documents
Once your policy has been arranged, you will receive your insurance documents confirming the cover selected.
⏱ Takes around 9 minutes
Unoccupied Property Insurance for UK Empty Homes & Buildings
Unoccupied Property Insurance is designed for properties that are left empty or are undergoing renovations and may not be suitable for standard property insurance. Having specialist cover in place can help provide protection for a property while it remains unoccupied.
At UK Sure, we help property owners explore specialist insurance through a multiple insurer panel, with flexible options available for different circumstances.
Key Features
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Empty Homes
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Unoccupied Rental Properties
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Vacant Buildings
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Properties Undergoing Renovations
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Standard & Non-Standard Properties
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Buildings Sums Insured up to £10 Million
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Three Levels of Cover
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3, 6 or 12-Month Policies
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Property Owners Liability up to £5 Million
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Fire & Lightning Cover
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Theft & Malicious Damage Cover
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Subsidence, Ground Heave & Landslip
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Escape of Water Cover
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Optional Flood & Storm Protection
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Optional Unoccupied Property Cover
UK Sure Authorised and regulated by the Financial Conduct Authority.
Our FCA Firm reference number is 923039.
Why choose UK Sure for your Unoccupied Property Insurance?
Access to Multiple Insurers
We work with a panel of insurers experienced in unoccupied property risks, giving you access to a wider range of cover options and competitive quotations tailored to your circumstances.
Specialist Empty Property Cover
UK Sure specialises in arranging insurance for unoccupied properties, helping owners secure cover for vacant homes, rental properties, renovations and other situations where standard insurers may be unable to help.
Non-Standard Risks Considered
We can often help where properties fall outside standard acceptance criteria, including non-standard construction, renovation projects and applicants with more complex insurance requirements.
Flexible Policy
Options
Choose from different levels of protection and policy terms to suit your needs. UK Sure offers flexible solutions whether your property is empty for a few months or longer.
Buildings Covered
up to £10m
UK Sure can arrange cover for properties with buildings sums insured up to £10 million, providing protection for everything from residential homes to larger and higher-value premises.
● Frequently asked questions