Empty Property Insurance

Get great value for money Empty Property Insurance today with InsuraHome!

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Empty Property Insurance

Empty Property Insurance

Empty property insurance assists in keeping your property protected where a ‘standard’ home insurance might not.

As a property owner there can be many reasons why your property is empty – you may be renovating it, rebuilding it, trying to sell the property after a relative’s passing, selling the property following other personal circumstances, working away from home on business for an extended period, or you may be a landlord waiting for your next tenants to move in.

Whatever your position, if your property is empty for typically 30 to 45 consecutive days or more, then an existing home insurance policy may become restricted or even invalid in terms of the protection offered, leaving you financially vulnerable if something was to happen to your property or its contents.

At InsuraHome, we are experts in providing a wide-ranging Property Insurance solution for those wanting Insurance for an Empty Property. Whether your property is due to be empty for 30 days, 60 days or even a whole year, we can help protect your wallet and your peace of mind.

Click Here to Request a Quote >>>

Or speak to An InsuraHome Empty Property Insurance Specialist by calling +44 (0) 1483 806 815

What is Empty Property Insurance?

Empty Property Insurance covers the risks you face when being absent from your property for a long period of time. In some cases, your mortgage provider may require you to obtain this specialist kind of cover because vacant homes can be more susceptible to burglary and / or vandalism.

Empty Property Insurance is different from a ‘standard’ home insurance policy because it specifically covers the risks associated with owning a vacant property. InsuraHome Home Insurance can help provide cover for you and your empty property from a number of perils such as fire, subsidence (Silver and Gold levels of cover), earthquakes and can may be able to offer protection where others may have declined in the past.

InsuraHome Empty Property Insurance is Available for:

An Empty Property Insurance policy from InsuraHome Home Insurance are available for the following circumstances:

  • Cover for Buildings & Contents
  • Vacant residential properties that are intended to be kept and occupied, to be let or to be sold and more.
  • Properties that have already been vacant for a number of years.
  • Policy applicable to properties situated in England, Wales, Scotland, Northern Ireland, The Isle of Man and The Channel Islands.

Click here to see the full InsuraHome Empty Property Home Insurance Policy Wording for the full summary of buildings and contents covers as well as optional covers.

Click Here to Request a Quote >>>

Or speak to An InsuraHome Empty Property Insurance Specialist by calling +44 (0) 1483 806 815

Empty Property Insurance UK – FAQs

Can you get insurance for an Empty House?

The simple answer is yes you can get insurance for an empty property. Empty property insurance covers you when your property is empty for longer than your standard home insurance policy will allow. InsuraHome Empty Property Insurance can provide cover for vacant properties for periods of 90, 180, 270 days or annual cover.

What counts as an Empty Property?

You may be wondering – how long can I leave my house vacant so that It’s still covered? In terms of standard normal home insurance, an empty property is usually one that has been left uninhabited for more than 30 days. This is because most standard home insurance policies will not cover your property if it is left vacant for longer than 30-60 days because of the increased risk of theft, vandalism, a burst pipe being undiscovered and more. Therefore, there are specialised non-standard empty property insurance policies available on the market designed to cover these risks and circumstances.

How much does Empty Property Insurance cost?

The cost of an empty property insurance policy will vary depending on many factors such as the value of the property, condition of the property as well as the location and security of the property as if the property is in an area with a high crime rate, then the price of cover is likely to increase. In general, empty property insurance will cost more than a standard home insurance policy in terms cost per day of cover due to the additional risks associated with an empty property.

How do I prepare my empty property for winter?

Many homeowners and landlords forget about the obligations they have for looking after their properties during the cold, wet and windy winter period. Many things could potentially go wrong with your property such as burst frozen pipes, flooding, loss of heating, leaky roof and other unexpected surprises. Click here to check out InsuraHome’s 5 easy ways to prepare your property for winter hazard.


Click Here to Request a Quote >>>

Or speak to An InsuraHome Empty Property Insurance Specialist by calling +44 (0) 1483 806 815

Contact InsuraHome Empty Property Insurance UK

If you wish to speak to one of our InsuraHome Empty Insurance specialists:
Call: +44 (0) 1483 806 815
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here

How do I get an InsuraHome Empty Property Insurance Quote?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.

To get an InsuraHome Empty Property Insurance quote click the ‘request a quote’ button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to info@insurahome.co.uk.

Click Here to Request a Quote >>>

If you'd prefer to speak to someone, do not hesitate to call our Empty Property Insurance Specialists on +44 (0) 1483 806 815 and we will be happy to provide you with a quote over the phone.

Why Choose InsuraHome Insurance

InsuraHome features a range of great benefits as standard. InsuraHome also features some great add-ons for you to tailor your policy and so you only pay for the additional cover you need.

  • Loss or Damage caused by Fire, Smoke, Explosion, Lightning or Earthquake
  • Loss or Damage caused by Storm, Hail or Weight of Snow
  • Loss or Damage caused by Flood
  • Loss or Damage caused by the escape of water
  • Cover for Theft or Attempted Theft
  • Facility to transfer any no claims history from a previous insurer
  • A choice of policy excess – £100, £250, £500 or £1,000
  • Covers the cost of alternative accommodation if your property is left uninhabitable due to an insured event
  • Cover in case of Subsidence, Heave or Landslip is available
  • Accidental Damage cover is available
  • Online Policy Documentation
  • We don't store credit card details
  • + Lots more
More InsuraHome Details

Here at InsuraHome, we aim to provide cover when other Home Insurers say no!

What's more, we can provide Home Insurance for Home's that do not fall into the criteria to be termed a 'Standard Household'. So whether it's a Holiday Home in Europe, a property that has a non-standard construction type, or you have challenging personal circumstances, we can offer policies to you.

We review each and every application on a personal, case by case basis, customising your specialist Home Insurance to meet your individual needs! Our highly trained Home Insurance specialists will provide you with a fast, friendly, and professional service at competitive pricing.

Please Note - When purchasing Home Insurance you will be required to provide the rebuild cost of your home to the insurers. If you are unsure of your rebuild cost, please either request a rebuild cost assessment from a chartered surveyor or use the Rebuild Cost Calculator below

Rebuild Cost Calculator

House Rebuild Costs

When taking out Home Insurance, you are insuring your house for the cost of rebuilding it to the same standard as it is now, you are not insuring it for its value on the open market. When quoting you for a Home Insurance policy we will ask you for the rebuild cost of your home.

If you are not sure how much it would cost to rebuild your home then you can either have a rebuild cost assessment carried out by a Chartered Surveyor (which some insurers prefer) or you can use the house rebuild cost calculator below.

Rebuild Cost Calculator

How do I get a Quote for Empty Property Insurance?

It’s quick and easy to get a Empty Property Insurance quote.

Just click the ‘Get A Quote’ button to get an online quote for Empty Property Insurance.