Unoccupied Property Insurance

Unoccupied Insurance for empty home and vacant property does, from time to time, become a requirement for a variety of reasons and often existing insurers simply lapse insurance cover, creating a difficult problem for the property owner.

For over 10 years, the established Unoccupied Property Policy has been successfully meeting property owners' needs for buildings and contents insurance for empty property.

There is a standard excess of £250 for empty residential properties, which can be increased up to a £1,000 for a 15% discount on the premium - available now by calling one of our property operators.

An additional benefit of this policy is that it may be changed to an occupied let status usually without any additional charge.

Specialists in Unoccupied Property Insurance, we offer a continuous policy that you may add and subtract properties subject to one property remaining covered by the policy at all times.

We offer UK unoccupied property insurance quotations for a variety of situations where homes may become empty, these include:

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 property has been made.

As a property developer you may have purchased an unoccupied home and have renovated the building and require 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 and the estimated period of unoccupancy before quoting.

PENDING OCCUPANCY:-
 
The property may be unoccupied between tenancies when your current insurance expires and the provider does not wish to insure the property as you have no confirmed tenants for the future. We will initially offer to cover your property under our unoccupied property insurance and can then seemlessly transfer you to our let property insurance policy.

The building may have just been purchased by a new landlord who has not yet found a tenant for the house and is empty - in this case the property may become occupied after a few weeks - or remain vacant for a longer period. There is a need for unoccupied property insurance 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. We 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. 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.