Unoccupied 90 days and more with unoccupied home insurance

Unoccupied 90 daysIf your property is going to be left unoccupied for an extended period of time then CoverBuilder’s unoccupied property can help. We offer if your property is unoccupied for various reasons including renovation, awaiting sale, in probate and more. Our policies offer a no-fee cancellation, meaning you can cancel at any point of the policy and pay just for the time required.


Flexible policy term – Cancel at any time!

Many of our customers who take out cover for an empty property only need short-term cover. Therefore with CoverBuilder you can cancel at any time with no cancellation costs. You simply call us and we’ll pro-rata your premium and refund any overpaid premium to you regardless if you pay monthly or in full. Learn more about our cancellation promise.


Our enhanced cover for unoccupied home include
  • Buildings cover up to £1.5million
  • Contents cover up to £150,000
  • Full buildings cover for the whole policy term available*
  • Trace & Access cover up to £5000
  • Cover for theft, malicious damage & vandalism up to 45 days*
  • Damage by squatters*
  • Cover for fire, flood, storm*
  • Pro-rata refund of any overpaid premium if policy is cancelled early.
  • No cancellation charges




*As CoverBuilder uses a panel of insurance companies to offer our home insurance, cover options do vary by policy. We highly recommend checking the policy wording of your chosen insurer before submitting your policy request.


graphic showing unoccupied property insurance image


Unoccupied home insurance online quote

We’ve specifically designed our website to allow you to quote for more specialist risks, such as unoccupied, easily and without having to go through all your information over the phone. You can get a quote and buy directly online within minutes. Let our website do the heavy work for you, our unoccupied home insurance comparison of insurance policies let you pick a quote for your specific requirements from our panel of top UK insurance specialists.

What will be covered when I take out unoccupied home insurance?

Whilst the majority of customers who take out our unoccupied cover request that it’s just buildings only, we do offer the ability to quote including contents. Our cover is designed to protect your property when it is probably at its most vulnerable.

Example situations that can require unoccupied insurance (covered by CoverBuilder)



Reasons to choose CoverBuilder for Home Insurance

We work with a panel of insurance companies specifically to cover customers who have a property to insure that is unoccupied. We’ve designed our policy quote and buy process to be straightforward.

  1. Our quotes are 100% online meaning no lengthy phone call referrals
  2. Offering competitive rates for those with a vacant property
  3. Wide range of acceptance criteria
  4. Instant online decision & acceptance
  5. Standard policy excesses apply unless otherwise stated in policy documents
  6. Instant Cover

Understanding more about unoccupied home insurance

As it stands today, there are over half a million unoccupied properties right across the UK, the highest rate for over two decades. An empty home is not only a thieves paradise but is also susceptible to damages caused by adverse weather conditions, squatters sheltering in the property, and vandals maliciously damaging your most prized possession. If your property is going to be unoccupied for any length of time, you should take a look through our unoccupied section below.

Unoccupied home insurance definition

Unoccupied Home insurance

Generally, mainstream insurers define unoccupancy as any property that is vacant for 30 consecutive days or more. If this is likely to be the case for your property, it is vital that you inform your insurer. Failure to do so may result in your home insurance policy becoming void.

Short term home insurance

Some Customers may be looking for cover for a very specific amount of time and potentially for a very limited timeframe. Whilst at this time we don’t have a specific short-term policy, our dedicated unoccupied policy can be set up and then cancelled at any point after the initial cooling off period of 14 days. There is a no cancellation fee throughout the policy term and we will then organise a pro-rata refund of the remaining premium, ensuring you are only paying for the period of time on cover with us.



Unoccupied home insurance over 30, 45, 60, 90 days

Some insurance companies offer customers the ability to extend the unoccupied coverage within their policy. Often this is done in the form of ‘bolt on’ cover that is an extra cost to the basic premium. When taking out a policy designed to cover an unoccupied period, we strongly suggest understanding how long a term (in one go) is permitted.

Insurance unoccupied homeowner deceased
In the unfortunate situation where the original home insurance policyholder of the property has died, a new policy will be required to cover the property until the ownership of the property is decided. Cover will be required for the existing contents within the property and the protection of the buildings.

Is there anything I can do to lower the premium for my unoccupied home insurance?

There are measures that you can put in place to lower the cost of your unoccupied property insurance. Firstly we recommend that you install the appropriate security devices inside and outside of your home such as secure locks on all exterior doors and windows, and installing a working burglar alarm. Factors that may increase the cost of your premium include the inadequate security devices or a property of substantial value.

Changing from unoccupied to occupied during the term of the policy

There are a number of reasons for the occupancy status of the property changing during the policy term. As a specialist unoccupied property company, we can work with you to amend the policy to your specific needs. If you need to change the type of policy during the term of insurance, this is possible.

We accept both variations during the policy term;
  • Property unoccupied and subsequently switching to occupied
  • Property occupied and subsequently switching to unoccupied

In these scenarios, you would need to notify us of the change in occupancy status and we will update the policy for you.

Unoccupied and waiting for sale

If you are currently selling your property you may have already moved out fo the property and are waiting for a buyer. In these situations, you are likely to need this specialist cover. With the time it will take to sell the property being unknown, from months to potential over a year, it is important you have a policy that can accommodate this unknown span of time.

Cheap unoccupied property insurance

As we’ve outlined above, our dedicated home insurance for unoccupied properties allows us to offer you extremely competitive premiums for this type of situation. Get a quote with us now and you can have your property protected within minutes.

Understanding what is covered

We strongly recommend reading the details of the quote we provide you before taking out insurance. In some scenarios the insurers we work with will put specific stipulations within the policy to allow them to quote for your specific situation. These stipulations do vary and are influenced by a number of factors so reading the policy wording and any exclusions is a must before accepting the terms of insurance.

Building’s cover as a condition of your mortgage

You may find that in the terms and conditions of your mortgage that cover for the building is a minimal requirement. In these situations declaring your property is unoccupied is vital to understand what you need to do next.

How to reduce the risk of an incident with an unoccupied property

An unoccupied property is going to be more of a target for thieves, vandals, and squatters. This is going to be down to the fact that there is less vigilance and deterrence at the property. With that in mind, we’ve created some useful tips to help keep your property safe when you’re not there to protect it. 

1) Maintain your property

Some of the top telltale signs that a property has been left unoccupied for some time are an overgrown garden, the buildup of mail and newspapers, flaky external paintwork and broken glass. It is recommended that you maintain the property on a regular basis to avoid giving off any impression that your property is vacant.


2) Arrange checks by your neighbour or local contact

If for whatever reason, you are unable to check up on the property regularly, we suggest that you contact a neighbour or other trustworthy source that may be able to visit the home on a regular basis on your behalf. This contact needn’t be the policyholder, so long as the checks are taking place frequently. There are numerous neighbourhood watch schemes that can help secure your property while you’re away. Find out more here


3) Install the necessary security measures

It is vital that you check your insurance policy to familiarise yourself with any clauses in your insurance contract. Some insurers will require the installation of specific high safety rated locks. It is also highly recommended that your property is equipped with a sound working burglar alarm and in some cases CCTV, particularly if thieves have historically targeted the area. Any items of high value should also be removed from the property, as there are unlikely to be covered by your home insurance policy.


Unoccupied home insurance over 30, 45, 60, 90 days

Some insurance companies offer customers the ability to extend the unoccupied coverage within their policy. Often this is done in the form of ‘bolt on’ cover that is an extra cost to the basic premium. When taking out a policy designed to cover an unoccupied period, we strongly suggest you take the time to understand how long an unoccupied term (in one go) is permitted.


Comprehensive unoccupied home insurance [GUIDE]

We’ve put together a comprehensive guide to unoccupied home insurance. This walks through all the steps required to insure your property and keep your investment safe. Click here to learn more.




Get Quote Home Insurance