Unoccupied Home Insurance

Get great value for money Unoccupied Home Insurance today with InsuraHome!

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Unoccupied Home Insurance

Unoccupied Home Insurance


As you probably know, most standard home insurance policies will not provide cover for your property if it is unoccupied for 30 consecutive days or more. This makes it hard for people who, for example, have perhaps inherited a new unoccupied house or have moved but have not yet sold their previous home.

InsuraHome Unoccupied Property Insurance policies can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, with legal expenses cover available as an optional extra. With a tailor-made case-by-case approach, InsuraHome can provide your unoccupied home with the protection it requires.

InsuraHome Unoccupied Home Insurance is Available for:

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

To get an Unoccupied Property Home Insurance Quote – it’s quick and easy

Click Here to Request a Quote >>>

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

Looking for something specific?

Click Here for Empty Property Insurance

Unoccupied Home Insurance – FAQs

Can you get insurance for an Unoccupied home?

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

What counts is classed as an Unoccupied home?

You may be wondering – how long can I leave my house unoccupied so that It’s still covered? In terms of standard normal home insurance, an unoccupied home 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 unoccupied 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 unoccupied home insurance policies available on the market designed to cover these risks and circumstances.

How much does Unoccupied home Insurance cost?

The cost of an unoccupied home 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, unoccupied home 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 unoccupied home.

How do I prepare my Unoccupied home for winter?

Many second homeowners 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 hazards.

Contact us InsuraHome Unoccupied Home Insurance

If you wish to speak to one of our InsuraHome Unoccupied Home 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 Unoccupied House Insurance 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 Landlord 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 Unoccupied Home 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 Unoccupied Home Insurance?

It’s quick and easy to get an InsuraTrip Unoccupied Home Insurance quote.

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

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