We have a panel of insurance companies who specialise in covering properties left unoccupied for varying lengths of time. If the property is sold before your policy ends, you can cancel free of charge with no penalties and receive a pro-rata refund of any overpaid premium back to you. This means you only pay for the cover you use, providing no claim has been made. We have insurance specialists on hand to help you quote, either via instant live chat or via telephone, our average call answer time is under 1 minute.
Our policies can be tailored to include:
- Buildings cover up to £1.5million
- Contents cover up to £150,000*
- Whole of policy building cover options available*
- Cover for theft, malicious damage & vandalism up to 45 days*
- Damage by squatters*
- Cover for fire, flood, storm*
- Unoccupied allowed up to 12 months
- Easily switch your policy from unoccupied to occupied
- No cancellation fees
- 24/7 claims line & support
No mid-term cancellation fees
Many of our customers who take out insurance for a vacant 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.
Chat online with an insurance expert
Often insurance can involve more complex situations and circumstances. Therefore we have our insurance experts standing by to help you through a vacant home insurance quote if you have any questions about how to quote for your type of property, personal circumstances or special insurance needs. Simply click the button at the bottom right hand side of this screen.
Example situations that can require unoccupied insurance
• Awaiting the sale of your property.
• Death of the policyholder
• Awaiting probate
• You are an executor
• The property is undergoing renovation/refurbishment works.
• If you go travelling or take an extended holiday.
• Cover for a holiday home
• Cover for a second home
• Waiting for the occupation of the property (not landlord cover).
• If you, the sole occupier are absent due to extended hospitalisation.
MORE ABOUT UNOCCUPIED PROPERTY INSURANCE
Unoccupied property 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 full unoccupied property insurance comparison 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 property 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.
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 property insurance definition
Mainstream insurers general define non-occupancy as any property that is unoccupied for 30 consecutive days or more. You’ll notice if you use price comparison website and indeed ourselves that the standard questions ask along the lines of ‘Will the property be unoccupied for 30 days or more?’. If this is the case for your property, it is vital that you inform us, or the insurer you quote with. Failure to do so may result in your home insurance policy becoming void and at the point of claim, you are rejected leaving you with the cost of any damage repairs.
Unoccupied property insurance Northern Ireland
The good news is we are also able to offer the same unoccupied property insurance benefits to our customers in Northern Ireland. Our insurance panel is designed to include properties in Northern Ireland including properties in probate or awaiting sale.
Short term unoccupied house insurance
Some Customers may be looking for the cover for a very specific amount of time and for a very limited timeframe. Whilst at this time we don’t have a specific short-term policy we are able to offer a lower cancellation fee than most of our competitors. The cancellation fee is £25 throughout the policy term, however, we will then organise a pro-rata refund of the remaining premium, ensuring you are only paying for the period of insurance with us. Remember our dedicated unoccupied policy can be set up and then cancelled at any point after the initial cooling off period of 14 days.
Unoccupied 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 a period of unoccupied, we strongly suggest understanding how long the term (in one go) is permitted as getting this wrong can lead to the potential of any future claim being voided.
Insurance unoccupied house owner 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. The cover will be required for the existing contents within the property and the protection of the buildings.
Unoccupied property insurance probate
When a property is going through probate, responsibility to insure the property will fall with the executors of the estate. Our executor cover protects you as the executor and the property until sale or occupation.
Unoccupied property insurance for executors
The combination of the current home insurance ending and the property is empty for an undetermined amount of time, you will be looking for an insurance provider who can offer cover for this circumstance. We provide cover for empty properties where an executor(s) are responsible for the property.
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.
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 property insurance renovation
If you are planning on renovating your property, either full scale or extension work and you plan to leave the property empty, then specialist unoccupied property insurance is designed for your needs.
Is there anything I can do to lower the premium?
There are measures that you can put in place to lower the cost of unoccupied home insurance. Firstly we recommend that you install the appropriate security devices inside and outside of your homes 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.
Unoccupied property insurance pending sale
If you are currently selling your property you may have already moved out of 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.
How to reduce the risk of an incident
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 generally 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:
- 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.
- 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.
- 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.
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.
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 exclusion is a must before accepting the terms of insurance.
We’ve put together a comprehensive guide to unoccupied home insurance. This walks through a list of top tips and the steps required to insure your property and keep your investment safe.
Keeping an unoccupied property safe
- Keep your mailbox clear, avoid letters and junk mail building up signaling little use of the property.
- Keep gardens and driveways clean and maintained.
- Secure all windows and access doors with strong deadbolt locks. Where possible use multi-locking systems.
- If budget allows then install an alarm that is linked live to a monitoring service. Many services these days offer smartphone app access and notifications.
- Ask a neighbour (trusted) to watch the property and notify you of any issues.
- Maintain the property exterior, avoid the building looking run down or uncared for.