home insurance for unoccupied properties

Unoccupied home insurance

If your home is empty for longer than usual, you’re not alone.
Many properties become unoccupied due to sales, probate, renovations, extended travel, or because they are second or holiday homes.

If a standard insurer won’t cover an unoccupied property, we can help.

We’re a UK specialist broker and search a panel of insurers to help you arrange suitable cover while your home is empty.

Situations we commonly help with include:

  • Furnished or unfurnished properties
  • Empty homes awaiting sale or let
  • Probate and inherited properties
  • Homes undergoing renovation or repair
  • Second homes and holiday homes
Get a Quote

How it works

  1. Tell us about the property and why it is unoccupied
  2. We search our panel of UK insurers
  3. You choose a policy that fits your situation

What you’ll need:
Property address, reason for being unoccupied, how long it has been empty (or will be), and basic occupancy details.

Why specialist cover matters

Most standard insurers won’t cover homes left unoccupied for extended or intermittent periods. This can leave you without protection if something goes wrong.

Specialist unoccupied home insurance is designed to reflect the increased risks of an empty property and helps ensure you remain properly covered.

Why act now?

Leaving a property uninsured or underinsured could expose you to significant repair costs if there is a claim. In some cases, a lack of cover may also put you in breach of mortgage conditions.

Prefer to speak to a real person?

If you’d rather talk things through, call 0333 311 0390 to speak with a member of our UK-based specialist team.

Get a quote in minutes

Most customers can arrange cover in under ten minutes using our online quote service.
Quotes available from a panel of UK insurers

What type of cover is available for unoccupied homes?

We offer different levels of unoccupied home insurance depending on how much protection you need while your property is empty.

You don’t need to choose a cover level now.
We’ll help you select the most suitable option during the quote process.

Cover Level One

Includes:

  • Fire
  • Lightning
  • Explosion
  • Earthquake

Cover Level Two

Includes everything in Cover Level One, plus:

  • Riot, Disturbances and Strikes
  • Impact
  • Storm & Flood
  • Subsidence, Ground Heave or Landslip
  • Escape of Water or Oil

Cover Level Three

Includes everything in Cover Levels One and Two, plus:

  • Malicious Damage
  • Theft or Attempted Theft

The right level of cover will depend on why your property is unoccupied and how long it will be empty.

Specialist Home Insurance by names you can trust

Nelson policies as Lloyd's logo
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member