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If your property has been empty for over 30 days, you may find that it’s no longer covered by a standard home insurance policy and you need to find more specific cover. Our team of experts will approach a specialist panel of insurers to get you a quote, and we’re usually able to provide immediate cover. We will also provide you with:
We are able to provide buildings cover whilst your property is unoccupied, including cover against risks such as fire, lightning, earthquake or explosion. The cover provided will depend on your unique circumstances, so please check the details of your quote to find out what’s covered.
Up to £2 million property owners’ liability cover to protect you against compensation claims raised by third parties that have been injured as a result of the property not being maintained, such as a tile falling off the roof and injuring a passer-by or a visitor tripping over a broken stair.
Some of our policies can protect your buildings and contents against theft, attempted theft and malicious damage - although we don’t cover claims by deception, for example, you give you keys to a contractor who then steals from your home. Please check the details of your quote to find out what’s covered.
Take out unoccupied legal cover to get up to £50,000 compensation for solicitors and barrister’s fees, court costs and your opponent’s costs that result from legal action carried out to evict squatters or because of property damage, nuisance or trespass.
Finding the right unoccupied home insurance for your property can be a long-winded and complicated process. The longer your home is unoccupied, the chance of theft increases, which is why home insurance for empty properties is important for keeping covered. We’ve taken the time to answer some of our customers’ most frequently asked questions so you have all the information you need when you go to get a quote.
Home and landlord insurance policies will usually only cover between 30 and 90 days unoccupancy, which means that, after this time, you’ll need to either sell the property or find more suitable insurance cover. There are lots of different types of specialist home insurance available that will provide extended covers for certain risks, so it’s important to make sure your property is properly protected.
Not all home insurance policies will cover properties that will be unoccupied for extended periods of time, so it’s important to check your policy documents if you think your property might be affected by any of the scenarios noted above. Unoccupied properties, unfortunately, are a slightly higher risk than occupied ones for a number of reasons.
For starters, there’s no-one at the property every day, which means that small issues could quickly become big problems without anyone there to keep it in check – for example, a leaky roof or faulty boiler. Unoccupied properties are also particularly susceptible to thieves and vandals, meaning that not all home insurance providers are willing (or able) to cover this risk.
Endsleigh’s unoccupied property insurance will protect your property against fire, flood, subsidence and a number of other risks so you can feel confident that your property is protected whilst you’re not there.
Unoccupied home insurance will usually cover:
There are many reasons why a property might become unoccupied. Sometimes it’s a sudden change in circumstances, meaning you have to find cover quickly to make sure the property is fully protected. Other times, it’s a long term decision, meaning you have plenty of time to plan and research the best property insurance for your vacant home. Situations where your property might become unoccupied include:
As a non-standard home insurance broker, we’re able to find cover for properties under a number of different circumstances. We provide cover for 12 months for unoccupied properties, although if your property becomes occupied mid-term we can update your policy to reflect this.
Follow these three simple steps to get an unoccupied property insurance quote with Endsleigh. First, contact our specialist team today on 0333 234 1507 or arrange for us to call you by filling out our online form. Second, please tell us about your unoccupied property so we can find you our most competitive price. And finally, let us know when you want to go ahead and we'll get your unoccupied home insurance policy set up.
Not looking for unoccupied house insurance? These are just some of the different non-standard home insurance policies available:
If your property is empty for a prolonged period of time – usually over 30 days – then it will be considered unoccupied by insurers. This can either be due to a gap in tenants, a property going through probate or simply because the house is pending sale or the owner hasn’t decided what to do with it.
A property is not considered unoccupied if it will only be empty short-term - for example, your tenant goes on holiday or spends weekends elsewhere. Check with your insurance provider to find out how long your property can be empty before it is considered unoccupied.
Once your property is unoccupied, your insurance provider may impose terms and conditions to your policy to ensure the property is kept safe whilst it’s empty. For example, your insurer may request that you visit the property weekly to pick up any mail and check that the property is secure. They may also request that you turn off any utilities to lower the risk of fire or flood.
We are unable to cover claims for your unoccupied property under the following circumstances:
Damage or theft following unforced entry
If your windows or doors are left unlocked or unsecured which results in theft or damage, this will not be covered under your policy.
While we are able to provide buildings insurance for empty properties while renovation works are being carried out, we are unable to provide cover for the renovation works themselves.
The cost of your unoccupied house insurance will vary between providers, depending on a number of factors. These include:
We work closely with leading specialist insurers to ensure we can provide you with flexible insurance for unoccupied homes. With over 15 years' experience insuring non-standard homes, our expert non-standard property team will take the time to understand your unique situation and provide you with comprehensive insurance options for your unoccupied house.
Need some quick tips or guidance? Read more on the blog!