Empty House Insurance
- Specialist insurance for homes left empty while awaiting sale
- Cover for unoccupied properties for 60 consecutive days or longer
- Choose from buildings, contents or combined home insurance
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Empty House Insurance
Specialist Home Insurance for an Empty House
Moving into a new home is an exciting milestone, however, your previous property may remain empty while it is waiting to be sold. Selling a property can be a long process often taking several months to complete. During this time your existing home insurance may no longer provide suitable cover.
Many standard home insurance policies place limits on how long a property can be left unoccupied. If your home remains empty for longer than this period, specialist cover may be needed.
If your home is unoccupied while it's waiting to be sold, you may be wondering, "Can you insure an empty house?" The answer is yes. Our specialist home insurance for empty house is designed for homeowners whose previous property is unoccupied while they complete the sale.
An empty property can be more vulnerable to theft, vandalism, escape of water, storm damage and other unexpected incidents. Having specialist empty home insurance in place can help protect your property while it remains vacant. This gives you added peace of mind throughout the selling process.
Ready to explore your options? Request an empty house insurance quote today. Simply complete our short form to get started.
Request an Empty House Insurance Quote
Why Empty House Insurance Matters
When a property is left empty, problems that would normally be spotted quickly can go unnoticed. A burst pipe, storm damage or attempted break-in may not be discovered for days or even weeks. This could potentially result in more extensive damage and higher repair costs.
Many standard home insurance policies also place limits on how long a property can be left unoccupied. This is often between 30 to 60 consecutive days. If your home is empty for longer than your policy allows, your cover may be restricted or no longer suitable. In this situation if you needed to make a claim on your home insurance, it may be declined
Specialist home insurance for an empty property is designed to help protect your home while it is unoccupied and waiting to be sold. It provides reassurance that suitable cover is in place until your sale is completed and ownership transfers to the new buyer.
Empty House Insurance Cover
Our empty house home insurance can include cover for a range of risks, such as:
Fire Damage
Covers damage caused by fire, including smoke damage and damage from lightning or explosion.
Weather & Flood Damage
Covers loss or damage caused by storm, flood or severe weather conditions.
Escape of Water & Oil
Covers damage caused by leaks from pipes, heating systems and domestic appliance.
Theft & Burglary
Covers loss or damage resulting from theft or attempted theft, subject to your policy terms.
Property Owners' Liability
Covers your legal liability if someone is injured or their property is damaged in connection with your home.
Subsidence, Heave and Landslip
Covers loss or damage caused by movement of the ground beneath your home.
Request an Empty House Insurance Quote
Compare InsuraHome Probate House Insurance
Choosing what is the best home insurance for an empty house involves more than simply comparing prices. It's important to consider the level of cover that's suitable for you and your property's circumstances.
At InsuraHome, we offer three levels of cover, making it easy to compare your options and choose the policy that best meets your needs.
| Cover Included | Level 1 | Level 2 | Level 3 |
| Fire | ✔ | ✔ | ✔ |
| Aircraft | ✔ | ✔ | ✔ |
| Subsidence | ✔ | ✔ | ✔ |
| Storm and Flood | ✔ | ✔ | |
| Vehicles or Animals | ✔ | ✔ | |
| Falling Trees | ✔ | ✔ | |
| Escape of Water (Up to £10,000 any one claim) | ✔ | ||
| Escape of Oil & Smoke Damage (Up to £10,000 any one claim) | ✔ | ||
| Theft / Attempted Theft (Up to £10,000 any one claim) | ✔ | ||
| Riot (Up to £10,000 any one claim) | ✔ |
The empty house insurance comparison table above shows which insured risks are included with each level of cover. For full details of what is and isn't covered, please refer to the policy wording.
Please note: the level of cover available may depend on the outcome of the underwriting process.
Why Choose InsuraHome Empty House Insurance
Selling a property can be a lengthy process, and every homeowner's circumstances are different. At InsuraHome, we understand the challenges of arranging house insurance for an empty property during this period.
Our specialists review every individually to find suitable home insurance for empty property based on your circumstances. We're here to help you explore suitable insurance options based on your circumstances.
Specialist Cover While Your Home Is Empty
Having the appropriate insurance in place can provide reassurance while your previous home is waiting to be sold.
Our home insurance for an empty property is designed to help protect your property while it remains unoccupied. This gives you confidence that suitable cover remains in place until your property is sold.
Request an Empty House Insurance Quote
Explore Other Specialist Home Insurance Products
At InsuraHome, we provide specialist home insurance for a range of property types and circumstances. Alongside empty property insurance, we can also help with cover for probate properties, homes undergoing renovation and holiday homes.
We also understand that some homeowners have more complex insurance needs. Our team can help you explore suitable insurance options based on your individual circumstances.
Frequently Asked Questions about Empty House Insurance
1. When Should I Arrange House Insurance for an Empty Property?
Ideally, you should arrange house insurance for empty house before your previous property exceeds the unoccupancy limit set by your existing home insurance policy. Many standard home insurance policies place restrictions on properties that have been left unoccupied for more than 30 consecutive days.
If you've moved into a new home, your previous property may be standing empty while it's waiting to be sold. During this time, specialist empty home insurance can help provide suitable cover throughout the selling process.
2. How Long Does Empty House Insurance Cover Last?
InsuraHome empty house insurance is provided as an annual policy, rather than as short-term cover for a set number of months.
If your circumstances change during the policy term, such as your property being sold, simply contact us to discuss cancelling your policy. You can receive a refund for the unused part of your cover, provided no claim has been made. A cancellation fee will also apply.
3. Who Can Get InsuraHome Empty House Insurance?
Our empty house insurance is for UK homeowners whose property is standing empty while it is being marketed for sale.
We can provide empty house home insurance for residential properties across:
- England
- Wales
- Scotland
- Northern Ireland
- The Channel Islands
4. How Much Does Empty House Home Insurance Cost?
The cost of empty house insurance depends on several factors, so there isn't a fixed price.
Your premium may be influenced by the property's location, and rebuild value. The premium will also depend on how long the property is expected to remain empty and the level of cover you choose.
If you're unsure of your property's rebuild value, you can arrange a rebuild cost assessment with a Chartered Surveyor or use a rebuild cost calculator to provide an estimate.
5. Are There Any Requirements for Empty Property Home Insurance?
Yes. For our empty property home insurance, there are some requirements that you’ll need to meet. These requirements help reduce the risk of damage going unnoticed while your property is empty.
You'll normally need to inspect your property internally and externally at least once every 30 days while it remains empty.
It's also important to keep a written record of each inspection, including the date, time and any observations.
Your policy documents will explain any conditions that apply to your empty property insurance.
6. What Happens Once My Property Has Been Sold?
Once your property has been sold, or if your circumstances change before then, please contact us to discuss your policy.
Your empty property house insurance may need to be updated to reflect the change in circumstances.
Our team will explain what happens next and whether any changes to your cover are required.
7. How Do I Get an Empty House Insurance Quote?
Here at InsuraHome, getting an empty house insurance quote is simple. Click the Request a Quote button and complete our short online form with a few details about your property.
Once you've submitted your form, one of our specialist home insurance team will review your information and contact you to discuss your empty house insurance quote.