Unoccupied property insurance
There are a number of reasons why a property may not be normally lived in and would require unoccupied property insurance, such as awaiting probate, sale or occupation or because it's undergoing renovation, or simply because you spend time abroad. Whatever the reason, unoccupied property insurance is essential and that's exactly what a HomeProtect policy provides.
Instant access to unoccupied property insurance
Both our buildings and contents policies are highly competitive with a range of inbuilt discounts to help meet your needs and budget. So why not get an unoccupied property insurance quote now? We can do everything online, so you can have home insurance for your empty property within minutes.
Why choose HomeProtect for your unoccupied property
HomeProtect is the perfect solution for property owners looking to insure their empty properties.
Our award-winning online service can cover the vast majority of unoccupied situations - including 'hard to insure' circumstances.
We've designed HomeProtect with flexibility in mind, so you can tailor it to fit your needs. With HomeProtect, you can choose buildings insurance, contents insurance, or both. You can also opt to purchase Legal Expenses cover and/or Home Emergency cover for your unoccupied property.
What cover is available?
The cover will vary depending on the length and nature of the unoccupancy. For example, if the property is unoccupied for more than 6 months, or if it is up for sale, then cover will normally be restricted to only the major insurance perils - Fire, Lightning, Explosion, Earthquake and Aircraft. This 'FLEEA' cover is of course crucial against these perils but it will not cover you for other risks such as theft, accidental damage or escape of water.
More comprehensive cover is available for shorter periods of unoccupancy but, as with all insurance policies, terms and conditions apply.
Read our unoccupied property insurance FAQs for more details on what cover is available.
Underwritten by established, reputable insurers
HomeProtect is underwritten by a range of reputable insurers, including AXA Insurance. If you need to make a claim, it will be dealt with fairly and efficiently.
Get an online empty house quote today
Tired of searching for vacant property insurance?
Then get an immediate empty house insurance quote today using our unique online service.
Underwritten by AXA Insurance.
Unoccupied property insurance
Want to find out more about our unoccupied property insurance? Browse through the links below, or get an immediate online quote.
Additional options
Want to find out more about additional options available with home insurance for empty properties? Browse through the links below.
Buildings insurance
Buildings insurance to cover the fabric of your property
Buildings insurance is household insurance that covers the fabric of your property. Buildings insurance would pay to rebuild your property should you have a fire or would pay for repairs if your home was damaged by a falling tree for example. Whether your unoccupied property is a bungalow, a three storey town house or any other building, trust HomeProtect to provide the buildings insurance you need.
Contents insurance
Contents insurance to protect your possessions
Contents insurance protects the things you own. If you had a burglary and things were taken or you suffered a fire or flood, your contents insurance would pay to help you replace your lost or damaged belongings. HomeProtect can provide the contents insurance you need to cover your possessions.
Additional cover
A wide range of options to turbo boost your policy
To give you maximum flexibility we have a range of valuable cover options, such as Legal Expenses and Home Emergency cover, which can be added to your policy at your discretion. With all our optional extras there is no limit to the number of claims you can make (with no impact on your No Claims Bonus on the rest of your HomeProtect policy). Great news!
FAQs
Frequently asked questions about empty property insurance
Why is unoccupied property insurance needed? What is FLEEA cover? What if I work away and my property is left unoccupied for months at a time? Can I still arrange insurance even though the property is being renovated? All these questions and more are answered on our FAQs page.