Unoccupied Property Insurance

Protect your empty residential property and its contents with vacant property insurance

Buildings insurance for unoccupied property

If you claim on your standard insurance but the property has been left empty for 30 days or more then your insurer is unlikely to be able to pay out. This is because a typical insurance policy does not provide adequate cover for vacant homes, and why you must take out unoccupied home insurance.

You can get a specialist unoccupied buildings insurance quote for your empty property through HomeProtect.

9 steps to prepare your empty property

9 steps to prepare your empty property

9 important things to do before you walk away from your empty property - to avoid exclusions on the policy and to prevent unwanted malicious damage to your house.

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Why is unoccupied home insurance useful?

We understand that there are many situations that cause you to leave your home empty, including:

The price of cover is determined by a range of factors, such as:

  • The rebuild cost of the property
  • The location of the property
  • Security at the property
  • The reason it is empty

A HomeProtect unoccupied property insurance policy will include cover for damage caused by squatters, vandalism or fire, which are common claims.

Defaqto2017Vacant property insurance 

  • Up to £500,000 as standard for loss or damage to the structure of your property or permanent fixtures
  • 10% increase in contents cover for the Christmas period and other religious festivals 
  • Access to a 24/7 legal advice helpline; plus up to £25,000 legal expenses cover to pay for legal support for property disputes and goods/services contract disputes
  • Access to a 24/7 home emergency helpline; plus up to £600 cover to temporarily fix: burst pipes, roof damage and failure of water, gas and electricity supply

Please read policy booklet for full details.


Away in hospital or care home

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Away in the Armed Forces

Away in the Armed Forces

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Home For Sale

Home For Sale

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Long Overseas Holiday

Long overseas holiday

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Why an empty home is more risky

Why an empty home is more risky

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Unoccupied house when you are working overseas

Working Abroad

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Property Awaiting Tenants

Property awaiting tenants

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What our customers say

Your questions answered

Unoccupied house insurance

Unoccupied home insurance FAQs

We’ve prepared some helpful answers to your questions about unoccupied homes and about how our unoccupied insurance policy works.

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If you spend a lot of time overseas (my wife and I spend nearly half the year in Italy) HomeProtect is a good company to go for.

Mr Freeman via Trustpilot

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