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Unoccupied Property Policy

This policy caters for home owners who's property could remain unoccupied for more than 30 days as standard policies usually have a maximum period set at this.

If you would like to discuss your requirements then please give us a call or request a callback.



Buildings Insurance

Our Household Unoccupied Policy provides flexible cover which can be brought in units of three months for a cost effective solution.

Buy units of cover for 3, 6, 9 or 12 months.

Up to £2,000,000 Property Owners Liability.

Buildings sum insured up to £700,000.


Our Household Unnoccupied Policy provides cover for property belonging to the Insured in his/her capacity as property owner.

Household goods.

Furniture and furnishings excluding valuables and personal effects.

Includes radio and television aerials, satellite dishes and fittings.

Cover for contents within domestic outbuildings and garages situated within the premises.




Who is it for?

What is covered?

Why you need it?

Owners of property which is unoccupied for more 30 days.
  • Ideal for Solicitors who require a quick and simple insurance solution when dealing with estates.

Included as standard:
  • Buildings Insurance
  • Sum insured up to £700,000
  • Contents Insurance
  • £250 policy excess
  • Falling trees, telegraph poles or lamp posts
  • Architects and Surveyors fees
  • Up to £2M Property Owners Liability

Homes can become unoccupied for a variety of reasons and are classed as a greater risk than an occupied home. Cover includes:
  • Replacement of locks and keys following loss or theft
  • Fire and Water Damage
  • Escape of Water from fixed water tanks, apparatus or pipes
  • Property Owners Liability
  • Theft or attempted theft
  • Legal Expenses

Additional Benefits Include

Unoccupied Property


  • Our special schemes are designed to cover unoccupied buildings for:
  • 3,6, 9 or 12 months
  • They can be converted to a regular Owner Occupied or Let Property policy

Standard policies usually only cover unoccupied properties for up to 30 days. Our scheme provides cover for periods of 3, 6, 9 or 12 months. They can also be converted to a regular policy, if required.

Other Information

Property Owners Liability is included but covers the Insured's legal liability as owner(s) only but not as occupiers.