Unoccupied Residential Property Insurance

  • 3 levels of cover to choose from

  • Wide range of insurers to choose from

  • Cover from £90


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When taking out Unoccupied Residential Buildings Insurance it is important to work with a Broker that understands the perils that an empty house can face.

As a Property Insurance specialist, Property Insurance Centre will work closely with our insurers to get the best cover for you. With unoccupied residential insurance you can take out a 3 month, 6 month or 9 month insurance policy which are known as short term insurance policies. Although it may be more beneficial to take out a 12 month insurance policy. Why not choose Property Insurance Centre:

  • Independent broker with approachable staff online or by phone

  • Bespoke Insurance Schemes & Portfolio Policies available

  • Competitive Premiums

  • Cover available for the buildings while the property is being converted, renovated or extended


  • Excellent communication so that you understand what risks you are insured against

Who Needs Empty Home Insurance

At anyone time, there is an average of 700,000 homes left unoccupied in the UK. They may be empty whilst awaiting sale, under refurbishment or their owners are under medical care. No matter what reason your home may be unattended, if it is left empty for more than 30 days at a time, your standard home insurance will not cover be adequate. If any damage occurs at your property such as a fire, burst pipe, a flood etc during this time, your insurer may not pay out.

By their unoccupied nature, unattended properties are more likely to be at risk of damage. Empty properties can attract thieves, vandals and even squatters. Small damages may go unnoticed and become a much larger issue over a period of time. A pipe for example has a slow leak that is missed when checking on your house until the ceiling collapses. Insurance against these perils is therefore necessary to anyone who has an unoccupied home.

Call our team now on 0800 085 3761 to discuss your requirements and get your Unoccupied Residential insurance quote.

What does Unoccupied Residential Insurance Cover Provide?

Vacant House Insurance covers a wide range of risks that unattended homes are open to. Cover can be arranged to include:

  • Protection against vandalism including graffiti
  • Cover for damage caused by fire or subsidence or property owner’s liability
  • Contents cover
  • Property owner’s liability, if your conservatory roof blows off and damages your neighbour’s property for example

However, at Property Insurance Centre we know that people leave their homes for various reasons in varying states of repair and understand therefore that every insurance policy should be different.

To get a range of bespoke Unoccupied Buildings Insurance Quotes call our team on 0800 085 3761 to discuss your exact requirements.

Securing Your Property

Securing your property is at the utmost importance when leaving your property. An empty home should be in a good state of repair and you could be declined cover if it is boarded up or dilapidated.

When taking out Insurance for an Unoccupied Residential Property, Insurers may require you to secure your property over and above what you would regularly do. This can include locking all windows and doors with approved locks and having a burglar alarm fitted. Removing all valuables and tools from the building and turning off the mains and utilities and draining the water systems.

In the winter months the underwriters may require the heating to be set at the frost setting to avoid burst pipes. Regular inspections of the building should also take place every 7 or 14 days. It is also important to not advertise that your home is empty. This can be done by installing timer switches for the lights and asking a neighbour to park their car in the drive.