Unoccupied Property Insurance

Leaving a property empty for an extended period, whether it's a rental between tenants, a house awaiting sale, or a property undergoing probate, presents unique risks. Standard home or landlord insurance policies often have clauses that restrict or void cover if a property is left vacant for more than a specified period. This is where specialist Unoccupied Property Insurance provides a vital safety net, protecting your investment when it's most vulnerable.

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What is Unoccupied Property Insurance?

Unoccupied property insurance is a dedicated policy designed to cover a building that is not currently lived in. Insurers view empty properties as a higher risk for issues like theft, vandalism, undetected water damage from leaks, and fire. This specialised insurance accounts for these increased risks, offering tailored protection that standard policies do not provide when a property is vacant for longer than a specified period.

Why you need Unoccupied Property Insurance?

Without the right cover, you could be left financially exposed to significant losses. An empty property can be a target for criminals or fall victim to maintenance issues that go unnoticed and escalate, such as a small leak causing major structural damage. If a claim is made on a standard policy while the property is vacant beyond the allowed time, the insurer could refuse to pay out. This makes specialist cover essential for maintaining your financial security and peace of mind.

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Types of Policy Cover for Unoccupied Property Insurance...

Property owner’s liability

This covers your legal liability if a member of the public is injured in or around your property. For example, if a tile falls from the roof and injures a passer-by, this would cover the associated legal and compensation costs.

Protection Against Escape of Water and Oil

One of the most common issues in empty properties is a slow leak that goes undetected. This cover protects against damage caused by burst pipes or leaking appliances, which can be devastating if not discovered quickly.

Theft and Malicious Damage

Vacant properties are often targets for theft, vandalism, and other malicious acts. This essential feature covers the costs of repairing or replacing damage caused by such illegal activities.

Subsidence, Ground Heave, and Landslip

This provides protection for the structure of your property against damage caused by movement in the ground beneath it, ensuring your building’s foundations are protected.

Do I need to visit my empty property regularly to maintain my insurance cover?

Yes, most unoccupied property insurance policies require regular property inspections, typically weekly or monthly visits. These visits help ensure the property remains secure and allow you to spot potential issues early.

Get Your Unoccupied Property Quote Today

Protecting your empty property is simple. Our team understands the specific risks involved and can help you find the right level of cover to suit your situation.

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Do you have more questions about Property Insurance?

Call our expert team of advisors on 0161 641 3229 to discuss all the options available to you and make sure you are fully protected

A rental property is likely to be one of your biggest investments and with the right cover in place you can have peace of mind that your investment is safe.

We deal with the UK’s top insurers which means we can access the policy that is right for you. Our dedicated team is waiting for your call to discuss all the options available to you and make sure you are fully protected. Call us now on 0161 641 3229.

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