Do you have a home that’s empty for a while? Standard home insurance may not cover it. That’s where Unoccupied Home Insurance UK comes in. It protects your property while no one is living in it – whether it’s for weeks or months.
What Is Unoccupied Home Insurance?
Unoccupied Home Insurance is a special type of insurance for homes that are empty for more than 30 days. It covers risks like theft, vandalism, fire, and flood, which can happen more easily when a home is vacant.
Why Do You Need Unoccupied Home Insurance?
- Standard policies don’t cover long vacancies.
- Empty homes face higher risks (break-ins, leaks, damage).
- Peace of mind while you’re away for work, renovation, or selling.
When Do You Need It?
You need unoccupied home insurance if your property is empty due to:
- Moving out before selling or letting.
- Renovation or repairs.
- Owner living abroad or elsewhere.
- Probate (waiting to be inherited or sold).
What Does Unoccupied Home Insurance Cover?
| Covered Risks | What’s Included |
|---|---|
| Fire & Flood Damage | Protects from accidental fires and water damage. |
| Theft & Vandalism | Covers break-ins and malicious damage. |
| Storm Damage | Protection from weather events like storms. |
| Public Liability | Covers injuries to others on your property. |
| Optional: Legal Expenses | Help with legal costs if disputes arise. |
Top Unoccupied Home Insurance Providers UK
| Insurance Company | Key Features | Website |
|---|---|---|
| Admiral | Flexible short-term cover | admiral.com |
| AXA UK | Up to 60 days standard, extensions available | axa.co.uk |
| Aviva | Add-on to home insurance or stand-alone | aviva.co.uk |
| Towergate Insurance | Specialists in unoccupied property | towergateinsurance.co.uk |
| Direct Line | Custom quotes for empty homes | directline.com |
How Much Does It Cost?
Costs depend on:
- Location of your home
- Value of your property
- How long it’s unoccupied
- Security measures (alarms, locks)
Typical Price: £150 – £400 for 3 months.
How to Get Unoccupied Home Insurance
- Compare Quotes from top UK insurers.
- Provide Details about your home and how long it’ll be empty.
- Choose Cover that fits your needs (basic or full protection).
- Get Insured and relax knowing your property is protected.
Tips to Lower Your Premium
- Install security systems (alarms, cameras).
- Check in regularly or hire someone to do so.
- Drain water systems if vacant during winter.
- Use timers for lights to make it look occupied.
FAQs About Unoccupied Home Insurance UK
How long can a home be empty before I need this?
Usually after 30 days, standard policies won’t cover it.
Can I insure a property that’s for sale?
Yes, many policies cover homes that are listed for sale.
What if I start living in the home again?
You can switch back to standard home insurance.
Do I need to visit the property?
Some insurers require visits every 7–14 days.
Protect Your Empty Home Today
Don’t leave your property at risk. Get a free quote for Unoccupied Home Insurance UK now and make sure your empty home is safe and secure!