We don’t compare unoccupied home insurance - here are some companies offering quotes
Towergate is one of the UK's largest insurance brokers, specialising in cover you really need. Choose a three, six, nine or 12 month policy so you're only paying for the length of cover you really need. Visit the website and buy online today.
Nova Insurance, established in 1995, is a nationwide company providing a range of unoccupied property insurance cover from leading UK insurers. It specialises in helping businesses and individuals find the right level of cover for their unoccupied property.
Adrian Flux are a non-standard specialist broker, established in 1974. Priding itself on finding solutions for difficult to insure properties, Adrian Flux understands the values and all too often stress associated with insuring unoccupied properties. Visit the website to find out how they can help.
HomeProtect (underwritten by AXA) provides home insurance for homes that are left empty for more than 30 days. 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 £500k for building repair or rebuild and £50k legal cover for a range of circumstances.
Unoccupied home insurance covers your home if it’s left empty for longer than your standard policy allows. Standard home insurance policies typically cover an empty house for 30 or 60 days, but the time frame can be longer, or shorter – so check your policy wording to be certain.
Unlike standard home policies, specialist unoccupied home insurance will cover a vacant property for between three, six, nine or 12 months, with the option to extend if required.
If you need longer than 12 months, you can find quotes for a new policy towards the end of your original term.
An empty property policy provides cover for the building and/or contents in properties that are left vacant for 30 days or more.
Your property will be empty when you’re:
Tell your home insurer when your house will be empty and how long for.
Your policy may cover your vacant house, but if not, you can make alternative arrangements so you’re not running the risk of invalidating your cover.
“Don’t run the risk of leaving it uninsured,” said GoCompare’s home insurance expert, Ryan Fulthorpe.
“Always double check with your home insurance provider whether you'll be covered past this time period and to what level and, if you're not satisfied, consider unoccupied property insurance.”
If your home insurance will cover you, check that it’s comprehensive insurance and read the exclusions.
Some policies might ask that you have someone come and check on the home at regular intervals, at least every 14 days.
If you make a claim and the insurance policy is unsuitable for your circumstances, you might not be covered at all.
Ask a neighbour or friend to keep an eye on your property, water the plants and pick up post on a regular basis, dissuading potential thieves
The level of cover that you receive will depend on the policy that you take out, but you should think about protection against:
Every policy has exclusions - so read your terms and conditions - but common examples are:
When insurers calculate your home insurance or unoccupied property insurance premium, they consider:
Preparing your property to be left empty could help to keep it safe and save you money on insurance.
Keep the property in a good state of repair to reduce the likelihood of a claim, but if something does go wrong, the property is in a good state of repair and the insurer will honour your policy
Use a controlled heating system to stop the pipes bursting in cold weather, or make sure utilities are switched off and the water system is drained
Put away valuable items in a secure place, in a safe, or remove them from the empty property. Fit and use approved locks on the windows and doors, and get a burglar alarm
“The security of your property will have a huge effect on your premium, so make sure that every entry point to your empty home is secureRyan Fulthorpe, GoCompare’s home insurance expert
“If you have an alarm, make sure that it's activated when you're away or it could invalidate your insurance”
Page last reviewed: 21 May 2020
Next review due: 21 July 2020
We do not offer a full comparison service on unoccupied home insurance at Gocompare.com but instead have provided links to some companies that offer unoccupied home insurance. These companies are not listed in an order that indicates that one is better than another but are instead ordered in line with our commercial arrangement with each one. Please remember, as different companies offer different policies, it is up to you to choose the one that best suits your needs
*Out of 378 policies on Defaqto, 98% of standard buildings insurance policies had an unoccupancy period of 60 days or less. Last checked 22 January 2020