Unoccupied Property Insurance

To help protect your empty home until it is ready to be occupied again.

Our Unoccupied Property Insurance is a 12 month policy that covers any length of unoccupancy.

Once your let is occupied again, we can switch your policy over to our Landlord Insurance or UK Holiday Home Insurance.

There is the option for a return of premium if your policy is ended early (see our terms and conditions for more information).

Pay by interest-free Direct Debit over 12 months - Learn More

What is unoccupied property insurance?

Unoccupied property insurance is a type of cover that focuses on the perils that can occur over a period of time when your property is left without an occupant. Ours specifically looks to cover the needs of landlords in place of landlord insurance during this circumstance.

Our Unoccupied Property Insurance can cater for a range of scenarios, including residential properties that are:

  • In between tenants or awaiting tenants
  • Undergoing work or renovations
  • Awaiting work or renovations
  • Being redecorated
  • Empty due to the owner having moved into a nursing home
  • Empty due to the owner being in hospital
  • In probate as the owner has passed away
  • Empty due to the owner living or working abroad
  • Awaiting a new owner moving in

If you require cover for a reason not listed, get in touch and let us know your situation. We will gladly help you find suitable cover for your property.

Choose from two levels of cover to suit your needs

In order to make our product suitable for as many situations as possible, we have two levels of cover available:

Our full cover

You will have cover for the full range of perils listed in our Unoccupied Property Insurance policy wording.

Our restricted cover

You can choose to restrict cover to fire, lightning, earthquake, explosion and property owners’ liability only.

Cover can be amended at a later date to our Landlord Insurance or UK Holiday Home policy. This is subject to our underwriting criteria at the time.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions. There you can also find a full list of covers provided as standard.

Frequently Asked Questions

There are a number of scenarios that may call for this specific type of insurance. Ours has been created with landlords in mind. When their property is going through a void period, it might not be covered by standard landlord insurance.

A void period is when there is no one staying overnight at the premises for a length of time. This length of time can vary, but the longer a property is empty, the longer an issue might go unnoticed.

Typically, a void period of 30 days or more can require specialist insurance such as ours. This can be longer for student lets.

This type of cover is there for your legal liability as the property owner for any amounts you become legally liable to pay for damages, including bodily injury or damage to the property caused by an accident happening at the premises.

Standard home insurance policies can require someone to be living in the property as part of the terms and conditions. This is often due to houses being more vulnerable to certain perils whilst unoccupied. For example, maintenance issues such as escape of water can go unnoticed, causing more damage the longer they are left. Equally, theft or attempted theft can become more likely if it is apparent that no one is living in the property.

Policies can vary, but our full cover includes protection for buildings and contents, such as FLEE (fire, lightning, earthquake or explosion), theft or attempted theft, malicious damage, and subsidence.

We decided when considering the necessary covers for an unoccupied home, insurance perils such as accidental damage should also be included as standard for our full cover policy.

All insurance providers vary in the prices they charge, as the level of cover can be different. Often there will be add-ons to the basic level of cover, which can also increase the price you are quoted.

However, at Just Landlords we offer just two levels of cover in order to make it clear exactly what your options are. Whether you choose our full or restricted cover, it will cost you the one price stated in the quote you receive.

There are certain steps you can take in order to help keep your property safe from damage whilst it is empty. The main factors worth considering are maintenance upkeep and theft deterrents. You can read a list of suggested tips in our guide.

It can be worth checking up on an empty property to catch any issues early. Regular visits might also help to deter any potential burglars. Our product requires the policyholder to inspect the unoccupied property at least once every month between the months of February to October and every 14 days during the months of November to January.

Accurate records of these inspections and any work done to maintain the security of the premises should be kept. In the event of a claim, you may be asked for these documents.

If you need to make a claim, you can do so by downloading a form from our website.

If you have a question that has not been answered or you would like further details, our team is happy to help. You can get in touch using the following options:

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  • Gallagher - Just Landlords is a trading name of Arthur J. Gallagher & Co. Group of companies.