Away in hospital or care home

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Unoccupied house insurance whilst in hospital or care home

ambulanceIf you are going into hospital, a care unit or care home for more than 30 days it’s important that you notify your insurance company that your home or flat will be unoccupied to ensure that your cover remains in place.

Not all insurers will provide insurance cover for an unoccupied house, but HomeProtect is different. We can offer you a competitive online quote for unoccupied house insurance, no matter how long the property might be left empty. Or if you already have a policy with us, a quick call will extend your insurance cover in just a few minutes.

This is all easy to do if you know in advance your home will be empty due to a hospital stay or care home. But if you’re hospitalised suddenly or the visit to the care unit is unexpected then don’t worry we will still cover you as long as you (or a friend) notifies us before the home has been empty for 30 days.

Peace of mind vacant home cover when in hospital

It is also an important clause in most policies that someone checks on the property weekly. This also make good sense to protect your vacant home. They should make sure everything is working, there are no leaks and remove the mail from the door mat.

If you can set up some lighting timers for the evening even better. This all helps the house look occupied and hence acts as a deterrent to those who see an empty house a fair game. If there has been some damage to the home, your friend can notify us and start a claim if necessary.

It’s important to be aware of the time of year. In Summer your grass will need to be cut regularly. In winter there is more of a risk from burst pipes, so it’s a good idea to let your heating come on for a short period every day.

Whatever your circumstances, HomeProtect can help you.

"I couldn't fault the service when looking for a rather more specialised policy for an unoccupied property in the process of being sold. I spoke to a real person who gave me a clear understanding of the policy which was designed to suit my requirements." Monday, 11 April 2016

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Why choose HomeProtect unoccupied house insurance

  • No-claims discount to help reduce premiums.
  • Up to £5 million Public liability included.
  • Up to £25,000 Legal Expenses cover included.
  • Up to £600 Home Emergency callout fees included.
  • Claims phone line available 24/7.


Satisfied customers

A quality presentation of documentation and effective renewal at a similar premium to the previous year. Dealing with a family home which remains empty as owner in a residential home has emotional issues. The manner of renewal made it easier than it might have been. Trustpilot, 6 February 2017
The staff were very efficient and helpful when I rang for a quote. They made it very clear what the insurance covered & answered my questions with ease. I was happy with the quote as it was in between other quotes I received so happily went ahead with it. Review Centre, 2 May 2017
Straightforward, easy to understand. Big plus is the unoccupied time allowed. We are away for about 4 months each (northern) winter and most insurers don't want to know. We've never needed to claim so those others have missed out on our business. Thanks HomeProtect. Trustpilot, 17 July 2017