Unoccupied Properties

Unoccupied residential properties come in all shapes and sizes and no two sets of circumstances are the same. Maybe you have just purchased a house and intend to do some light refurbishment to get it ready for tenants, or you have inherited a property and you intend to put it on the market to be sold. As long as the house is in a good state of repair we should be able to help. However, please note that if you are planning to carry out structural alterations, for example building an extension, we would be unable to help until such work had been completed. In addition to this, we would not be able to provide a quotation if the property is boarded up.

Please see below for the key features of our unoccupied property insurance:

  • Cover includes storm, theft, malicious persons or vandals, escape of water, fire, impact, lightning, earthquake and more

  • Standard excess of £250 for all claims, increased to £1,000 for subsidence, heave or landslip, when this cover is available

  • Liability cover as the owner of the home up to £5 million

  • Pro-rata refund if the policy is cancelled, less the original admin fee which is retained by the Insurer

  • Cover for accidental damage to underground pipes and cables

  • Trace and access cover up to £5,000

  • Cover for all types of properties considered, including flats and maisonettes

Even if your property is not being lived in, you will still need to arrange buildings insurance to cover the structure of the property in the event of loss or damage; this could also be a requirement of your mortgage agreement. Simply complete our quote form below and we will email or call you back with a quote.

All of our quotes are based on your individual needs, so you are only ever paying for the cover you require.