Unoccupied house insurance
Easy to buy online
- Furnished and unfurnished cover.
- Holiday homes, empty houses, vacant on extended holiday, owner in care home and empty between tenants all covered.
Unoccupied property insurance
Protect your empty residential property with vacant property insurance
What does buildings insurance for unoccupied properties cover?
Unoccupied buildings insurance provides cover in many situations that can arise when your home is empty for more than 30 days, including fire damage and legal expenses such as a breach of contract for the sale of your home, or the cost of pursuing nuisance and trespass claims for the property.
A typical insurance policy does not necessarily provide adequate cover for vacant homes and some insurers may refuse to cover a property left unoccupied for 30 consecutive days or more. So, if you’re leaving your property unoccupied for a lengthy period, it’s important to source appropriate insurance.
Do I need unoccupied home insurance?
This may be a requirement from your mortgage provider or your may be looking for cover because unoccupied properties can be more susceptible to fire and other hazards - find out more about why an empty home is riskier.
The price of cover is determined by a range of factors, such as the rebuild cost of the property, its location, security and, of course, the reason it's empty.
Insuring an unoccupied property with HomeProtect can also cover renovations for as long as you need, or can protect a vacant house during probate. We can insure the building and any contents, and will also protect against common claims such as malicious damage, vandalism or fire.
Vacant property insurance from HomeProtect includes:
- Up to £1 million for insured loss or damage to the structure of your property or permanent fixtures.
- Up to £50,000 legal expenses cover.
- Access to a 24/7 home emergency helpline, plus up to £500 cover to temporarily fix burst pipes, roof damage or failure of utilities.
- Cover for renovations with a one-off fee (for any duration of building works).
You may also be interested in home insurance for:
- Properties undergoing renovations.
- Holiday homes empty in the off-season.
- Let properties vacant between tenants.
- Long overseas holidays.
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