Most standard home insurance plans won’t cover your property if it’s left empty for 30 days or more. This means that if you are likely to be leaving a property empty for longer than that, it’s important to let your insurer know. Unoccupied home insurance is a policy designed to protect the buildings and contents of a property that is empty for an extended period of time. You may also see it referred to as empty house insurance. Although some insurers may continue to cover your empty house,...
Insure an empty property for up to 60 days with an Unoccupied House Insurance policy from our hand-selected panel of insurers. Get a quote today.
Will home insurance cover an empty property? Read our guide to find out when you need unoccupied house insurance, what it covers and what it doesn’t.
Homeprotect (underwritten by AXA) provides home insurance for homes that are left empty for more than 30 days. There's no cover for escape of water (1 October 2023 to 1 April 2023 inclusive), theft, money, cards or valuables if your home is empty for 30 days or more. Its policies cater for a wide range of situations including empty for sale, homes under probate, properties normally let or properties undergoing renovation. Cover typically includes up to £1 million for building repair or rebuild...
Your tenants have moved out and you haven’t yet found replacements ; You’re a new landlord, or it’s a new property and you haven’t found tenants ; It’s a student rental and will be empty over the summer ; You’re redecorating or doing maintenance.
Awaiting sale on the house · Your home is under probate · Bought a property to let but it’s currently unoccupied · You’re going away on business or on an extended holiday
What is unoccupied home insurance? ; Unoccupied house insurance covers you when your home is empty for longer than your regular policy will allow. Standard home insurance only insures you if your home is empty for up to 30 or 60 days, depending on the terms. And if anything happens outside this period you won’t be covered. This is because the chances of theft go up when your home is empty for an extended period. An unoccupied home also carries a higher risk of structural damage – for example...
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Our guides look at everything you need to know about home insurance, whatever your circumstances, including unusual properties, holiday homes or areas at risk of flooding.
Home » I Own a Home » How do I insure a flat? ; There are two types of insurance to consider when insuring a flat. Buildings insurance and contents insurance. Contents insurance is always your responsibility. ; Who is responsible for buildings insurance depends on how you own your flat. If you are a leaseholder, then your freeholder should take care of buildings insurance for the whole building. ; If you jointly own the freehold with other leaseholders, then you are collectively responsible for making sure the whole building is insured.