Unoccupied house insurance
Easy to buy online
- Furnished and unfurnished cover.
- Holiday homes, empty houses, vacant on extended holiday and empty between tenants all covered.
- Defaqto 5 Star rated.
Unoccupied property insurance
Protect your empty residential property with vacant property insurance
Buildings insurance for unoccupied property
A typical insurance policy does not provide adequate cover for vacant homes, which are usually classed as being left empty for 30 consecutive days or more.
Vacant property insurance from HomeProtect includes:
- Up to £500,000 for insured loss or damage to the structure of your property or permanent fixtures.
- Up to £25,000 legal expenses cover to pay for legal support for property disputes and contract disputes.
- Access to a 24/7 home emergency helpline, plus up to £600 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).
Do I need unoccupied home insurance?
Unoccupied house insurance provides cover in many situations that cause you to leave your home empty, including:
- Properties undergoing renovations.
- Holiday homes empty in the off-season.
- Let properties vacant between tenants.
- Long overseas holidays.
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.
What our customers say
Your questions answered
Good to know
When you insure an empty home, there's no need to agree a fixed term in advance. Simply take out an annual policy and cancel or amend it when the property becomes occupied again.
Prefer to talk to us?
Our friendly team can answer your questions
0330 660 1000 9am - 8pm Monday-Friday
9am - 1pm Saturday
Very pleased with the back-up help on the phone in addition to a simple online procedure. We needed an empty home policy, more difficult to obtain than we expected. HomeProtect offered protection via Axa Insurance, and are are very pleased with the package.
9 Feb 2018
Customer in Buckhurst Hill, via reviews.co.uk