Unoccupied Property Insurance


Want to save money on your unoccupied property insurance? Whether you need cover for a few weeks while a property is going through probate or several months while it’s undergoing renovation, call us today on 01482 434343 or request a callback and let our award-winning team help you get the protection you need.
Empty Property Insurance Backed By ‘Exceptional’ Service
Want to save money on your unoccupied property insurance? Let the short-term unoccupied building insurance specialists at Coversure compare our markets to find you the empty property insurance that’s right for you.
Whether you need cover for a few weeks while a property is going through probate or several months while it’s undergoing renovation, call us today on 01482 434343 or request a callback and let our award-winning team help you get the protection you need.

Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Unoccupied Property Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of property insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback or start your unoccupied property insurance quote today.


Empty Property Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of property insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.

What is Empty Property Insurance?
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.
Why do you need Unoccupied Property Insurance?
If you have a property standing empty – often for as little as 90 days – then your standard property insurance cover may be reduced or even invalidated. This is because empty properties are at a greater risk of things like vandalism, squatters, fire and flooding. Also, if there is a problem such as a flood, with no one living in the property the potential for damage is that much greater as no one will be there to raise the alarm or take action to resolve the problem.
Despite the rising number of empty properties in the UK, government figures from November 2023 state there were 261,189 long-term empty properties in England, many insurance brokers struggle to offer affordable short-term unoccupied building insurance. Thanks to our extensive network of insurer relationships, we can find you a flexible, competitively priced unoccupied property insurance that offers protection from common risks such as:
Fire
Lightning
Explosion
Flood
Eathquake
Storm
Theft or attempted theft
Malicious damage
Vandalism
Escape of water
Subsidence
Impact

What can Empty Property Insurance cover?
There are a number of risks to unoccupied property and empty property insurance from Coversure can protect you from risks such as:
Fire
Flood
Lightning
Explosion
Internal flooding
Storm damage
Vandalism
Impact
Burglary or attempted burglary
Call us today on 0800 977 6037 and let our award-winning team help you.
What types of Unoccupied Property Insurance are there?
There are three main types of unoccupied property cover, and we can offer you all three:
F.L.E.E.
This which covers basic threats such as fire, lightning, explosion, and earthquake insurance
Restricted wider perils
This is a policy that covers a limited number of perils for an empty property. These policies are often taken out when a property is empty for a longer period, such as more than three months, and covers perils such as fire, lightning, explosion, earthquake, and aircraft or impact
Wider perils
Offers the broadest level of protection and can include things like fire, storms, floods, subsidence, heave, or landslip, water damage from burst pipes or escaping water, theft of contents and forced entry damage, vandalism, property owners’ liability insurance, and legal expenses should squatters move in, and you need to go to court to have them evicted
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.
What types of properties can Empty Property Insurance cover?
Empty property insurance through Coversure can cover a wide range of properties, including:
Empty rental properties
Homes going through probate
Restaurants, cafes and bars
Second homes
Holiday homes
Properties undergoing renovation
Properties under construction
Properties on the market awaiting sale
How much does Empty Property Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your unoccupied property insurance quote will depend on things like:
Your property’s postcode
How long it will be empty for
The market value of the property
What type of property you have
The rebuild costs of the property
The level of security at your property
It’s rebuild valuation – not the market value, but the cost of rebuilding it should it be accidentally destroyed
If there are any contents, and if so, what they are and the value
Whether it’s at risk from flooding
Whether it will be left vacant during the autumn and winter months when risks such as burst pipes are higher
The level of excess you’re willing to pay
How often the property will be visited
Its condition/state of repair
How to get cheaper Vacant Home Insurance?
This is a question we get asked a lot and the good news is there are several easy ways to potentially get cheaper short-term unoccupied building Insurance, including:
Increase your excess, the amount you pay in the event of a claim
Use an independent insurance broker that specialises in empty property insurance
Pay regular visits or have someone inspect the property – this may be a condition of getting cover
Leave the utilities connected and put lights on timers
Invest in security measures such as web-based burglar alarms, security lights, window locks and locks on gates
Have the post collected regularly and the grass cut
If the property has a drive, ask the neighbours to park their car on it from time to time
Cut back any trees that are overhanging the property
Make sure it’s secure with no broken locks, or windows, and that garden gates, shed and garage doors are locked
Remove all valuables from the property
If it’s a commercial property such as a shop either lower grills or whitewash the window and remove any fly posters
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
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
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
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
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
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