Why Choose Us
Unoccupied property insurance for empty properties or vacant homes does, from time to time, become a requirement for property pending sale,
let or owner occupation, undergoing renovation, awaiting probate or if the owner is temporarily away from the house.
If your home is empty you need specialist empty property insurance. Our established insurance for unoccupied buildings and contents has been meeting this
requirement for over a decade.
Our unoccupied insurance often provides the solution when existing home insurance providers simply lapse cover when a house becomes vacant, creating a
problem for property owners.
Get a quote from Click4quote, we are experienced unoccupied home insurance providers. There is a standard excess of £250 for empty property, which can be
increased up to a £1,000 for a 10% discount.
A great feature of this unoccupied house insurance policy is that if your empty building is undergoing renovation before letting or is pending let, we can simply
change the cover once rented, just call us and we'll refund you any difference in price ... remember we don't make any policy adjustments fees.
Please note: We require a photo of the roof and all external walls for empty property insurance cover.
We offer unoccupied property insurance quotations for various situations where houses may become vacant or empty, these include:
Unoccupied Property Pending 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.
In the sad event of the owner passing away, this will lead to a period in which empty house insurance would be required by executors of the estate until a decision
over the future of the property is made.
As a property developer you may have purchased unoccupied property and have renovated the building, requiring cover while the property is being sold. We would also
be able to offer terms for property insurance whilst it was undergoing some renovation. Cover available is dependant on the details of the renovation, including the
nature of the work and estimated vacant period.
Unoccupied Property Pending Occupancy:-
The home may be unoccupied between tenancies when your current buildings insurance expires and the provider declines to insure the property as you have no signed
tenancy for the future. We will cover your property with our unoccupied property insurance and seamlessly switch cover to our
landlord insurance once let.
A landlord may have just purchased the building but has yet to market the property for new tenants so the house remains empty - in this situation the property may
become occupied after a few weeks - or it may remain vacant for a longer period. In both cases empty property insurance is needed until the new
tenant moves in.
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.
Our unoccupied home insurance can offer both buildings and contents insurance for vacant houses in these circumstances.
The property may be a buy to let purchase and needs slight modernisation before letting, for example painting, new
carpets, new bathroom.
With our unoccupied home insurance you may select buildings insurance to cover the house or choose buildings and contents cover together as we
recognise it can be very difficult to obtain unoccupied contents cover.
Our unoccupied property insurance also allows for redecoration to minor renovation works being undertaken at the home. In these circumstances cover and terms vary
so each empty house insurance quote is bespoke.
When your property becomes occupied by a tenant you can keep the same policy, just call us and we will automatically refund any money due, saving you time and money
searching for another provider.
If you move into the empty property, we offer competitive home insurance, allowing you to select the cover you need at great prices.
We do not have the option to offer empty property insurance for unoccupied buildings that are derelict, are to be demolished or are commercial premises.
Buy unoccupied property insurance with Click4quote because:
Unoccupied Property Insurance