Unoccupied Home
Insurance
What is Unoccupied Home Insurance?
Unoccupied Home Insurance protects your property while it’s empty—whether it’s between tenants, undergoing renovations, awaiting sale, or simply not your main residence. Standard home insurance often becomes invalid after 30 days of vacancy, making specialist cover essential.
It provides protection against fire, theft, vandalism, storm damage, and more—safeguarding your investment while you're not there to keep an eye on things.
Who Needs This?
Anyone leaving a property vacant for an extended period should consider it, including:
- Landlords – Cover your property between tenancies or during renovations.
- Homeowners – If you’re moving out temporarily, or selling an empty home.
- Executors – Safeguard inherited property awaiting probate or sale.
- Second Homeowners – If your property is left vacant for months at a time.
- Renovators – Protect your home while major work is being done.
Why is it Important?
Empty homes are more vulnerable to damage and crime. Most standard home insurance policies won’t cover claims if the property is left unoccupied for over 30 days—leaving you exposed to potentially costly risks.
Specialist unoccupied cover protects against:
- Vandalism and Theft – Deters intruders and provides cover if damage or theft occurs.
- Fire and Flood – Major risks when no one’s around to notice early signs.
- Storm or Weather Damage – Includes roof leaks, falling trees, and more.
- Liability – Covers injury to visitors or tradespeople while your home is empty.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Unoccupied Home Insurance typically includes:
- Property Damage – Cover for fire, flood, storm, and subsidence.
- Theft & Attempted Theft – Protection against break-ins and vandalism.
- Property Owners Liability – Cover if a visitor or trespasser is injured on your property.
- Legal Expenses – Support for removing squatters or dealing with property disputes.
- Glass & Sanitary Ware – Cover for accidental breakage of windows and bathroom suites.
What's Not Covered
- Damage due to neglect or lack of maintenance.
- Long-term structural issues not caused by a sudden event.
- Claims if the home was not secured properly (e.g., open windows).
- Unoccupied periods exceeding the policy limit without notifying your insurer.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Unoccupied Home cover you for?
Standard home insurance often doesn’t cover properties left unoccupied for extended periods—such as during probate or renovation. Insurably makes it easy to arrange specialist unoccupied property insurance, with clear advice and tailored policies that ensure your home remains protected, even when empty.
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