InsuraHome’s Unoccupied Property Home Insurance - Protect your vacant residential property

As your probably know, most standard home insurance policies will not provide cover for your home if it is unoccupied (even if only for a short period of time). This makes it hard for people who, for example, have perhaps inherited a new vacant property or have moved but have not yet sold their previous home.

InsuraHome Unoccupied Property Home Insurance policies can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, whilst automatically including Legal Expenses cover. With a tailor-made case-by-case approach, InsuraHome can provide your vacant and unoccupied property with the protection it requires.

Available For:

  • Vacant residential homes that are intended to be kept and occupied, used as a holiday home or second home, to be let or to be sold.
  • Properties that have already been unoccupied for a number of years.
  • Homes requiring short term or annual policies.
  • Policy applicable to properties situated in England, Wales, Scotland, Northern Ireland, The Isle of Man and The Channel Islands.

Key Benefits:

  • Flexible Periods of Cover: 90 days, 180 days, 270 days or Annual cover, with the ability to extend a period of cover is required.
  • Cover for Buildings & Contents.
  • Cover automatically includes Legal Expenses Cover.
  • Cover provided for accidents to Domestic Staff.
  • Cover for “Clean” and “Non-Standard” Risks.
  • Three levels of cover available: Bronze, Silver and Gold.
  • No Excesses apply, other than for claims related to subsidence.
  • Property development considered subject to certain criteria.
  • Can cover listed buildings.

Cover for a Number of Perils can be included, such as:

  • Building works that are planned or in progress
  • Fire, lightning, explosion or earthquake
  • Aircraft and other flying devices or items dropped from them
  • Subsidence or heave of the site on which the buildings stand or landslip
  • Accidental Damage to Fixtures and Fittings
  • Accidental Damage to Services
  • Professional Fees & Expenses
  • Theft or attempted theft
  • Falling trees, telegraph poles and lamp-posts
  • Sale of Property
  • Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes.
  • And more!

Or speak to an InsuraHome Unoccupied Property Home Insurance specialist by calling +44 (0) 1483 806 815

Main Features of InsuraHome Unoccupied Property Home Insurance Cover

The following limits are provided automatically unless a higher limit is requested. To view the full list of cover available, please refer to the Policy Wording.

Buildings & Contents Standard Insurance Cover

CoverBronzeSilverGold
Fire, lightning, explosion or earthquake
Aircraft and other flying devices or items dropped from them
Subsidence or heave of the site on which the buildings stand or landslip
Storm, flood or weight of snow
Collision by any vehicle or animal
Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts (buildings only)
Falling trees, telegraph poles or lamp-posts
Escape of water from or frost damage to fixed water tanks, apparatus or pipes (limited to £7,500)
Escape of oil from a fixed domestic oil-fired heating installation or smoke damage causes by a fault in any fixed domestic heating installation (limited to £7,500)
Theft or attempted theft (limited to £7,500)
Any person taking part in a riot, violent disorder, strike, labour disturbance, civil commotion or acting maliciously (limited to £7,500)

Buildings Additional Insurance Cover (automatically included)

CoverBronzeSilverGold
Accidental Damage to Fixtures & Fittings
Accidental Damage to services
Professional Fees & Expenses
Sale of the Property
Replacement Locks (limited to £2,500)
Unauthorised use of Electricity, Gas or Water (limited to £2,500)
Garden, Plants & Shrubs (limited to £1,000, £250 per plant, tree or shrub)
Loss of Metered Water (limited to £1,000)
Trace & Access (limited to £5,000)
Loss of Oil (limited to £1,000)
Damage by Emergency Services (limited to £1,000)
Security Expenses (limited to £5,000)

Contents Additional Insurance Cover (automatically included)

CoverBronzeSilverGold
Replacement Locks (limited to £2,500)
Loss of Metered Water (limited to £1,000)
Loss of Oil (limited to £1,000)

To get an Unoccupied Property Home Insurance Quote – it’s quick and easy…

Contact Us

If you wish to speak to one of our InsuraHome Unoccupied Property Home Insurance specialists:
Call: +44 (0) 1483 806 815
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here.

About Our Unoccupied & Vacant Property Home Policy

Our Policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. Unoccupied Home Insurance is backed by a team of underwriters who are highly experienced and deal with each risk on a case-by-case basis. Therefore, our customers can be assured that all our InsuraHome Unoccupied Property Home Insurance policies provide tailor-made protection, as required.

Get a Non-Standard Home Insurance Quote/Application Form Here

What is Covered?
  • Currently vacant homes
  • Inherited properties
  • Non-standard properties

How to get a Quote

To get a Quote, simply do one of the following:

  • Call our Specialists on 01483 806 815.
  • Download our Application Form by clicking on the button below, print it out and fill in your details using BLOCK CAPITALS. This form can then either be posted to us, or scanned and emailed to info@insurahome.co.uk.
  • Download our Application Form and save it to your desktop. Re-open it, fill it in digitally and click 'Send me to the InsuraHome Specialists' on the final page, once you have completed all questions.
  • If you would like to request a call, send an email to info@insurahome.co.uk with your name and contact number.

Please Note: Our Open Times are: 09:00-17:30, Monday-Friday.

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