Unoccupied home insurance for empty residential and vacant buildings is often required due to various circumstances. Some existing insurance providers will
simply lapse cover which can create a frustrating situation for the property owner.
If your home is empty then you need a specialist unoccupied home insurance policy. Our established policy offering for unoccupied buildings and contents
insurance has been meeting this requirement for over a decade.
Your property might be pending sale or having light renovation work before you occupy or rent the house,
unoccupied insurance provides a solution to the need for buildings insurance in these circumstances.
An additional benefit of this policy is that it may be changed to reflect an alternative future use, usually without any additional charge.
Specialists in unoccupied home insurance, we can offer a policy that you may add and subtract homes too or amend the cover to reflect the change in status
that it may be rented out, often meaning a lower annual cost to you.
Please note: We require to view photos of the front and rear of the building for unoccupied property
insurance cover.
Cover is available for your vacant home which could be empty for a variety of reasons such as:
Awaiting Sale:-
You may have been letting the property and have decided to sell. The property may sit unoccupied while a purchaser is found or the sale is completed - so
unoccupied property insurance is required.
Sadly, the owner of a home may have passed away leading to a period in which empty house insurance would be required by executors of the estate.
A property developer may have obtained a previously unoccupied home and renovated the building so would require insurance while the home is sold. We would
also be able to offer terms for property insurance whilst it was undergoing some renovation. Cover varies depending on the nature of the work.
Awaiting Occupancy:-
The house may be awaiting tenants when the current insurance cover ends and the insurer will not offer renewal as you have confirmed contract with the a
tenant. We will initially offer to cover your property under our unoccupied house insurance terms and then can change the policy to
let property insurance.
A landlord may have just purchased the building but has yet to market the property for new tenants so the house remains empty - the property may become
occupied after only a few weeks - or a longer vacant period may be experienced. Unoccupied property insurance will be required until a tenant is found and
occupies the home.
If the occupant temporarily requires specialist care and the home becomes unoccupied for an unknown period but the owner is planning to move back at a
future date. We can offer both buildings and contents insurance for vacant houses in these circumstances where is required.
The property may be a buy to let purchase and needs slight modernisation before letting, for example
painting, new carpets, new bathroom. In this circumstance in this case the unoccupied property insurers may need details of the type of renovation,
estimated period before quoting and cover would be limited.
Select either building insurance cover on its own or choose buildings and contents cover together as we recognise that it can be very difficult to obtain
unoccupied contents cover on its own.
When your property becomes occupied you can switch your cover over to our competitive homeowner insurance policy. With our home property policy you can
select the cover that is suitable for you so you do not end up paying for cover that is in excess of your needs.
Choose Click4quote cheap unoccupied home insurance because:
- No administration fees for setting up your policy, or mid-term amendments
Beware short term policies with high administration fees for setting up the policy. If you have to extend or renew, you will incur this
charge again.
- Highly commended claims service from Towergate
- 24hr fast-track service for claims under £1,000 (conditions apply)
- Excellent customer service with friendly and polite UK based advisors
- Specialist UK unoccupied property insurance providers
- Various unoccupied reasons accepted and covered, e.g. pending let, sale etc.
- Arrange your low cost unoccupied property insurance online or by phone