Empty Property Insurance Backed By ‘Exceptional’ Service
Empty property insurance, also known as unoccupied property insurance, empty house insurance, or short-term unoccupied building insurance protects residential and commercial properties when they are left empty.
There are three main types of unoccupied property cover, and we can offer you all three:
Which level of short-term unoccupied building insurance is right for you is a question of the level of risk you’re prepared to take. In most instances, we recommend taking out wider perils unoccupied property insurance as the level of cover is so comprehensive.
Vacant home insurance is a complex area of cover and you’re likely to have questions about it. To help you get the answers and the protection you need, here are our empty property insurance frequently asked questions. We hope they’ll be of use, but if you’d like some personalised, independent help, please get in touch with us on 01482 434343 or request a callback. Our team of specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
No, but it makes a lot of financial sense, as if your property is left empty for a long period, you could find yourself with little or no protection with your standard home or commercial property insurance policy
As long as you need it to. While it’s called short-term unoccupied building insurance, a policy can last for weeks, months or even longer
Yes, as soon as the building becomes occupied, you can cancel your policy, and we’ll arrange a refund on the remainder of the policy’s duration
Yes, the most common ones are:
- Most insurers will insist on regular visits being made to the building. These don’t have to be made by the owner, it just needs to be frequently inspected
- Insurers will want you to remove any valuables
- It needs to be in good condition. If it is not secure – e.g. with broken windows or missing doors – it’s unlikely that you’ll find cover
- If it’s vacant during the winter, insurers may ask that the heating be left on to reduce the risk of burst pipes, or they may also agree to the system being drained
Some insurers may insist upon security measures such as burglar alarms, window grills, CCTV or even security guards for commercial properties
Yes, usually the following won’t be covered:
- Loss or damage because of unforced entry, e.g. when windows or doors are left open/unlocked
- Damage caused by major works, e.g. by the building of extensions/ structural repairs
- Damage caused by contractors
- Non-accidental damage
It doesn’t have to be. Many brokers struggle to offer competitive empty property insurance, but thanks to our network of specialist insurers, we can find you affordable unoccupied property insurance. To find out more, call us on 01482 434343 and we’ll be happy to help
We can offer cover for all sorts of residential property from flats to houses, renovation properties to second homes. We can also offer empty commercial property insurance for shops, offices, and industrial units. To find out more, please call us on 01482 434343
That will depend on things such as the type of property you have, where it is, its level of security, how long it will be empty for, whether anyone will be able to inspect it, the rebuild costs, if it’s an empty residential or commercial property
Getting a quote is easy. You can call us on 01482 434343, request a callback or get your empty property insurance quote here
