Unoccupied Home Insurance
- Specialist cover for unoccupied homes due to probate, renovation, awaiting sale, and more
- Cover for homes vacant for 60 consecutive days or longer
- Choose from buildings, contents or combined home insurance
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Unoccupied Home Insurance
Specialist Home Insurance for Unoccupied Homes
Finding insurance for an unoccupied property is not always straightforward. Many standard home insurance policies only provide limited cover or exclude properties that have been left empty for an extended period.
Many homeowners ask, "Can you insure an unoccupied house?" At InsuraHome, the answer is yes. Our unoccupied home insurance is designed for properties that have been empty for more than 60 consecutive days.
Like any home, unoccupied properties can still be affected by unexpected events such as fire, flood, theft, escape of water or oil, and accidental damage.
Our specialist unoccupied home insurance is designed to help to cover your property while it remains empty.
Ready to explore your options? Request an unoccupied home insurance quote today. Simply complete our short form to get started.
Request an Unoccupied Home Insurance Quote
Why Choose InsuraHome Unoccupied Home Insurance
Every unoccupied property has its own circumstances. Whether your home is awaiting sale, undergoing renovation or part of a probate estate, our experienced home insurance specialists assess each application individually.
Rather than taking a one-size-fits-all approach, we provide a more personal service to help you protect your property with confidence.
If you need unoccupied renovation home insurance or unoccupied house insurance probate cover, InsuraHome can help you find suitable insurance tailored to your circumstances.
Unoccupied Home Insurance Cover
Our home insurance for unoccupied house can provide cover against a range of risks, including:
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 Unoccupied Home Insurance Quote
Compare InsuraHome Unoccupied Home Insurance
Choosing the best unoccupied home insurance comes down to selecting a policy that provides the level of cover you need for your 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) | ✔ | ||
| Heating Installation (Up to £10,000 any one claim) | ✔ | ||
| Theft (Up to £10,000 any one claim) | ✔ | ||
| Riot (Up to £10,000 any one claim) | ✔ |
Our unoccupied home insurance comparison table above shows which insured risks are included under each level. For full details of what is and isn't covered, please refer to the policy wording.
Specialist Cover for Your Property While It’s Unoccupied
An unoccupied property deserves the same level of protection as any occupied home. Whatever the reason your property is empty, we're here to help you find specialist insurance that gives you confidence it's protected while unoccupied.
Request an Unoccupied Home Insurance Quote
Discover Other Specialist Home Insurance Solutions
We offer a range of specialist home insurance products for different property types and circumstances. This includes cover for homes awaiting sale and other non-standard properties.
We also provide specialist cover for homeowners with more complex circumstances. If standard home insurance doesn't meet your needs, our team may be able to help.
Frequently Asked Questions about Unoccupied Home Insurance
1. What Is Unoccupied Home Insurance?
Unoccupied home insurance is specialist insurance designed for properties that have been left empty for an extended period.
It helps cover your home against a range of insured risks while it remains unoccupied, giving you peace of mind until you come back home after long period of travelling, sell the property or complete any planned work.
2. Why Do I Need Specialist Insurance If My Home Is Unoccupied for More Than 60 Days?
Many standard home insurance policies reduce or stop cover once a property has been left unoccupied for 30 to 60 consecutive days.
An empty property can also be more vulnerable because problems may go unnoticed for longer. For example, a burst pipe could cause significant water damage before it is discovered, or damage caused by theft or vandalism may not be identified straight away.
Specialist house insurance for unoccupied home is designed to help protect your property while it is left empty and provide cover for unexpected events, subject to the terms and conditions of your policy.
3. Who Can Get InsuraHome Unoccupied House Insurance?
Our unoccupied home insurance is for UK residential properties that have been left unoccupied for more than 60 consecutive days. We have provided cover for homeowners who own empty properties across:
- England
- Wales
- Scotland
- Northern Ireland
- The Channel Islands
4. Can You Get Home Insurance If Unoccupied More Than 60 Days?
There’s no maximum time limit on how long your property can remain unoccupied under an InsuraHome policy. Our unoccupied home insurance is designed for properties that have been left empty for at least 60 consecutive days.
If you need cover because your property has been unoccupied for 90 days or longer, or you require unoccupied house insurance for 3 months, we can assess your circumstances and help you find suitable cover.
5. How Much Does Unoccupied Home Insurance Cost?
The cost of house insurance for unoccupied house depends on several factors, so there isn't a fixed price.
Your premium may be influenced by factors such as the property's location, its rebuild value, how long it will be empty for 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.
6. Are There Any Requirements for Insuring an Unoccupied Property?
Yes. When arranging specialist house insurance for unoccupied properties, there are usually certain requirements to help reduce the risk of damage going unnoticed while your property is empty.
You'll typically need to inspect the property both internally and externally at least once every 30 days. It is 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 cover.
7. Can I Add Accidental Damage Cover to My Unoccupied Home Insurance?
Optional accidental damage cover isn’t available to add to our house insurance for unoccupied homes. This means accidental damage to certain items, such as glass, solar panels, bathroom fittings, hobs and underground pipes, is not covered under this policy.
Instead, you can choose from different levels of cover when arranging your house insurance for an unoccupied house. This allows you to select the option that best suits your circumstances.
8. What Happens If My Unoccupied Property Becomes Occupied Again?
If your property is no longer unoccupied, please contact us to discuss your policy. Your cover may need to be reviewed depending on your circumstances, how the property will be used and whether it becomes your permanent residence or is occupied by someone else.
For example, if you originally arranged unoccupied home insurance for 3 months or longer, we would need to review your policy and discuss the next steps based on your property's new circumstances.
9. How Do I Get an Unoccupied House Insurance Quote from InsuraHome?
Getting a 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 members will review your information and contact you to discuss your quote.