Unoccupied Property Insurance

As you may already know, a standard home insurance policy is usually not suitable if your property is unoccupied for a period longer than 30, sometimes 60, days consecutively. If you are going away on business, waiting for a new tenant to move in, are waiting to sell the property, awaiting probate or are leaving your property empty for any other reason, then you may need a specialised unoccupied property insurance policy to make sure that you and your property is protected.

If you are for any reason leaving your house empty and are looking for cheap unoccupied property insurance, InsuraHome’s Unoccupied Property Home Insurance policies can be adjusted to meet your needs. With three cover levels to choose from and the ability to provide cover for both buildings and contents whilst automatically including legal expenses cover, you can pick the cover that is right for your circumstances.

As you may already know, a standard home insurance policy is usually not suitable if your property is unoccupied for a period longer than 30, sometimes 60, days consecutively. If you are going away on business, waiting for a new tenant to move in, are waiting to sell the property, awaiting probate or are leaving your property empty for any other reason, then you may need a specialised unoccupied property insurance policy to make sure that you and your property is protected.

If you are for any reason leaving your house empty and are looking for cheap unoccupied property insurance, InsuraHome’s Unoccupied Property Home Insurance policies can be adjusted to meet your needs. With three cover levels to choose from and the ability to provide cover for both buildings and contents whilst automatically including legal expenses cover, you can pick the cover that is right for your circumstances.

InsuraHome Unoccupied Property Insurance is 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.

Insurance for Unoccupied Property – 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 in InsuraHome Unoccupied Property Home Insurance policies, 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 Buy to Let Insurance Specialist by calling +44 (0) 1483 806 815

Main Features of InsuraHome Buy to Let Insurance Cover

The following limits are provided automatically unless a higher limit is requested. To view the full list of cover available, please click here to see the full Unoccupied Property Insurance Policy Wording.

Buildings Insurance Summary of Cover – InsuraHome Let Home Insurance

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)
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:

  • Click any of the 'Request a Quote' Buttons and complete the online form.
  • Call our Specialists on 01483 806 815.
  • Download our Application Form located on the 'Policy Documents' page, 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.

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…

Or speak to An InsuraHome Buy to Let Insurance Specialist by calling +44 (0) 1483 806 815

Unoccupied Property Insurance UK – FAQs

Can you get insurance for an unoccupied house?

The simple answer is yes you can get insurance for an unoccupied house. Unoccupied home insurance covers you when your property is empty for longer than your standard home insurance policy will allow. InsuraHome Unoccupied Property Insurance can provide cover for unoccupied properties for periods of 90, 180, 270 days or annual cover.

What counts as an unoccupied house?

You may be wondering – how long can I leave my house unoccupied so that It’s still covered? In terms of standard normal home insurance, an unoccupied property is usually one that has been left uninhabited for more than 30 days. This is because most standard home insurance policies will not cover your property if it is left unoccupied for longer than 30-60 days because of the increased risk of theft, vandalism, a burst pipe being undiscovered and more. Therefore, there are specialised non-standard unoccupied property insurance policies available on the market designed to cover these risks and circumstances.

How much does unoccupied home insurance cost?

The cost of an unoccupied property insurance policy will vary depending on many factors such as the value of the property, condition of the property as well as the location and security of the property as if the property is in an area with a high crime rate then the price of cover is likely to increase. In general, unoccupied property insurance will cost more than a standard home insurance policy in terms cost per day of cover due to the additional risks associated with an unoccupied property.

How do I prepare my unoccupied property for winter?

Many homeowners and landlords forget about the obligations they have for looking after their properties during the cold, wet and windy winter period. Many things could potentially go wrong with your property such as burst frozen pipes, flooding, loss of heating, leaky roof and other unexpected surprises. Click here to check out InsuraHome’s 5 easy ways to prepare your property for winter hazards.

Contact InsuraHome Unoccupied Property Insurance UK

If you wish to speak to one of our InsuraHome unoccupied homeowners insurance Specialists:
Call: +44 (0) 1483 806 900
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).
For Claims information, please click here.

About InsuraHome Unoccupied Property Insurance

Our Unoccupied Property Insurance policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. InsuraHome Insurance for Unoccupied Properties 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 Insurance policies provide tailor-made protection, as required.

How do I get an InsuraHome Unoccupied Property Insurance Quote?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.

To get an InsuraHome Unoccupied Property Insurance quote click the ‘Request a Quote’ Button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to info@insurahome.co.uk.

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Unoccupied Property Insurance specialists on 01483 806 900.

WE LOVE TO HEARWords From Our Customers