Property awaiting tenants

It’s not uncommon for a house to be empty between tenants but you need to alert your insurer
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Empty house insurance: short term solutions for landlords

As a residential landlord, you’re probably well aware that standard off-the-shelf house insurance does not properly protect you or your property. Instead, you need a home insurance policy that includes cover for loss of rent, alternative accommodation for tenants, and liability for accidents and so on. But did you know that you also need to declare when you are between tenants as it could affect your cover?

Preparing your empty house for new tenants

It’s not uncommon for a house to be empty between tenants. You need to run through the inventory when a tenant leaves, so of course you will want to make sure that any necessary repairs or renovations are carried out before letting a new tenancy. You need to advertise, interview and be available for viewings. You might even be renting your UK home if you live abroad, and it can take more time to work with agencies to find and agree a new letting in situations like this.

The issue is that a property which is left empty for more than 30 days is classed as unoccupied by the majority of insurance providers, as your existing landlord insurance policy may not be suitable to cover you as usual.


Buy empty house insurance when you are between tenants

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Unoccupied property insurance for between tenants

If you have been able to find a new tenant in less than 30 days, then there is usually no need to alert your home insurance provider. However, if you know that the property will be unoccupied in the longer term, perhaps while you redecorate, then it’s a good idea to contact your insurer to let them know that the property is now empty.

This is also the opportune time to check for maintenance and security issues. In fact, cover for unoccupied let properties can be dependent on taking steps to preserve a lived-in appearance. This could mean simply keeping the driveway tidy, collecting post and monitoring the heating in the winter to prevent frozen pipes.

Many insurance providers have limitations when it comes to covering unoccupied let properties because of the number of risks involved. That’s not the case with us. We can offer you an online quote for unoccupied let property insurance, no matter how long it might be vacant. Our unoccupied home insurance policy is one of the most flexible in the market.

Best of all, if you’re an existing customer, you can let us know when the new tenancy agreement is signed and we’ll switch your unoccupied cover back to your landlord insurance policy in minutes ! Signed, sealed, delivered.

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Satisfied customers

I had to change insurers when I started to let my property as previous insurers did not deal with landlord insurance. Very helpful and clear guidance made the process very easy, and very good quote. Absolutely essential firm to use if your property has had any previous issues such as structural problems, or is any way different to the norm. Could not recommend highly enough. Trustpilot, 22 March 2022
The cover offered, particularly as a landlord, is outstanding. The cost is highly competitive and the reminders in advance of the renewal date are a great help. We have found that staff who answer the telephones are well informed, friendly and helpful. We wouldn't go anywhere else. Trustpilot, 19 September 2017
It is very convenience for every Landlord to issue a new insurance or renewal via internet. The policy handbook is clearly to show the details of all items, so that I can easily to choose what I want. Trustpilot, 18 May 2022