Do You Need Unoccupied Insurance?

Unoccupied Insurance protects your building and contents against financial loss when the property is empty. To clarify, this cover permits the property to be empty for as long as you need. Regardless of the reason it is empty, whether probate, renovation or waiting on new tenants, we can insure the property.

Unquestionably, if you are refurbishing or doing renovations, then you would be better with Renovations Insurance. Occasionally we offer 3 month or 6 month policies. However,  these normally offer less cover and more cost than an annual policy. Indeed, our annual policies cancel pro-rata to the day with only a £50 administration fee. Consequently that makes them fantastic value for money. Additionally, if you update your insurance to an occupied or landlord policy and stay with us, then no fee is charged.

Another benefit is our Unoccupied Insurance with Aviva comes with £10,000 contents cover included free of charge.

A-Rated Insurers

In short, we boast a panel of A-rated insurers, including Aviva, Axa, Channel and Ocaso. That is to say we compare Unoccupied Home Insurance for you. However, not all policies are the same or equal. Therefore, you should read all offers of insurance carefully.

Level 1, 2 & 3 Unoccupied Insurance Cover

Many different underwriters compete for Unoccupied Insurance. That means the cover on offer can be confusing. For example, there is level 1, level 2 and level 3 cover, Full Cover and Fire, Lightning, Earthquake and Aircraft only (FLEA) cover. While most insurers will offer less cover for empty houses, at The Home Insurer we do it differently. Specifically, we only offer Full Cover policies that include all perils. In short, the reason we do this is because we can match the price of shorter policies with our annual policy which has more benefits.

Compared to the rest of the market you are in safe hands with high levels of cover and surprisingly low costs for our Unoccupied Insurance.

Unusual Empty Property Insurance Requirements

In effect, if your property has been empty for more than 2-years or is boarded up, then you will struggle to get insurance. However, we can still offer terms.

In general, if your property is dilapidated or going to be demolished, you will not be able to buy any insurance.

Another key point is most empty house insurance policies will need you to visit the property every 7 days. We have a provider that allows 30-days if needed. Additionally, you will need to either drain down your water tank or keep the central heating on to protect against frost damage.

What To Expect When Getting A Quote From Us

Firstly, we speak with you on the telephone. All things considered, we need to know exactly what your insurance requirement is. At this point we then compare providers and Unoccupied Insurance policies for you and deliver the best one to meet your needs.

With this in mind, please fill in the form below and we will call you. On the other hand, call 01832-735388 to speak to a specialist insurance adviser.

The Home Insurer is an award winning UK specialist property insurance brokerage. In other words, you can have confidence in the Unoccupied Insurance we sell. What’s more, we are members of the British Insurance Brokers Association (BIBA). Additionally, we have a 4.9 out of 5-star rating by our customers on Feefo.