Unoccupied Property Insurance
If you own a property, there may be times when it stands empty for several consecutive days, which could invalidate or severely restrict the coverage on your home insurance or landlord's insurance.
In cases like this, you may typically need unoccupied property insurance (also known as empty property cover or unoccupied house insurance) rather than standard home insurance.
This will ensure that your home is still protected against unexpected events that cause loss or damage, such as floods, fire, theft, etc as insurers see this as a greater risk of leaving your property vacant.
As a specialist insurance broker, we’re able to secure cover for even the most unusual homes. And we do so at a great rate where other companies would struggle to even provide a quote.
What does unoccupied home insurance cover?
This varies from policy to policy, with some policies being very restricted and offering just Fire cover. However, we also provide comprehensive policies, which can include Escape of Water, Theft, Vandalism, and Malicious Damage.
What is the difference between unoccupied property, empty property, and vacant property?
While you may hear these different terms for an empty property, there is no difference. They are all the same.
When is a property classed as empty?
It is important to note that a property can be classed as empty, even if it is furnished.
There are various circumstances in which a property can become unoccupied or empty, and you need unoccupied property insurance, such as:
- You go on an extended holiday or business trip, and your home is left empty;
- You are a landlord with a let property that is experiencing a void;
- The property is undergoing significant renovation, alteration, or extension;
- You have a probate policy that is empty while the paperwork gets sorted;
- Where you have moved to a new home, but your old house is still awaiting sale.
Many people get a shock when they find out their insurance becomes invalid due to their property standing empty.
How long must a property be empty before the insurance becomes invalid or restricted?
The majority of property insurers are happy to cover an unoccupied property for a short period (typically up to 30-45 consecutive days depending on the insurer) with no alteration to the policy.
As part of your insurance contract with your provider, however, you may find you are obliged to heat the property and/or have regular, logged checks made by an authorized person in your absence. This log of checks may be requested if you make a claim.
Once this period has been exceeded, insurers often dramatically reduce coverage or withdraw it altogether. There are a few insurers that will continue with full cover, but again these are subject to terms and conditions.
That is why empty property cover exists and why, if you have a vacant property, you may wish to consider a specialist unoccupied insurance policy.
We can help you access the most cost-effective and appropriate cover for your needs, providing home insurance for the unoccupied property as well as landlord insurance for property that is awaiting an occupant.
Do I need to take an annual policy on an empty property?
No, at UK Sure Services Ltd we understand that the need for flexible empty house insurance is essential. So, we have many policies that offer different policy terms, including 3 months, 6 months, and 9 months.
We also offer various monthly direct debit options, too, for your convenience.
How to buy
Simple Steps to Secure Coverage – Buy Insurance with Ease!
Submit a quote online
Pick what you need. Buy Unoccupied Private Property Insurance! including protection for accidental damage, theft, weather-related risks, and liability Get quotes, customize your policy, and secure your caravan with the right insurance plan.
Check your details and payment options
Get ready to secure your peace of mind! Once you've reviewed your quote details and are excited to move forward, simply confirm your preferred payment method, and we'll activate your insurance starting from your chosen date. Let's get you covered!
UK Sure does the hard work
We dive right in, comparing property insurance quotes from top insurers just for you! We’ll consider all the benefits you need. Get ready for a bespoke quote tailored to your insurance needs, which we’ll email to you along with exciting payment options.
Policy Sorted
As soon as we get your confirmation, we'll activate your policy and send you the documents right away! You can kick back and relax, knowing your shop is fully insured. Plus, if you ever need to make a claim, we're here to help you every of the way!
How do claims work?
Tam de Franca - Claims
Our claims process
Unlike price comparison websites, we take the hassle out of claims. We know how important it is to get your business back on track quickly – and with minimum fuss. That’s why you get access to a dedicated claims team that will strive to liaise with your insurer to settle your claim quickly and hassle-free.
Need to make a unoccupied commercial property claim?
Call our team on 01323 416706
UK Sure Customer Services
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