Unoccupied or Empty Property Insurance

To help protect your empty home until it’s ready to be occupied again

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Our full policy covers:

View or download documents related to this product:

Policy Wording – January 2022
Policy Wording – July 2021
Policy Wording – January 2021
IPID – January 2022
IPID – July 2021
IPID – December 2020

What is unoccupied home insurance?

Unoccupied home insurance cover 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 property insurance.

How is our specialist Unoccupied Property Insurance different?

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

  • In between tenants or awaiting tenants
  • Undergoing building works or renovation works
  • Awaiting work or renovations
  • Being redecorated
  • Empty due to the owner having moved into a care 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 occupant moving in

If you require empty home insurance 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 unoccupied property.

Our Unoccupied Property Insurance is a 12 month policy that covers any length of time the home is left unoccupied. You can pay by interest-free Direct Debit over 12 months.

Once your let is occupied again, we may be able to switch your policy over to our insurance for rental properties or UK holiday homes.

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Choose from two levels of cover to suit your needs

Other home insurance providers may offer multiple add-ons, but we’ve kept it simple and developed two unoccupied house insurance policy options. To make our product suitable for as many situations as possible, we have the following 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 our policy wording for a full list of covers, including additional cover provided as standard.

Our frequently asked questions

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

Why might I need unoccupied property insurance?

There are a number of scenarios that may call for this specific type of insurance. Our Unoccupied Home Insurance has been created with landlords in mind. When your property is going through a void period, it might not be protected by standard home insurance cover.

What is a void period?

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 residential 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.

What could happen to make a property vacant?

A number of scenarios can leave a property unoccupied. For example, it might be undergoing a renovation or awaiting new occupants. The homeowner could be living or working abroad, or the home might be left vacant due to the owner passing away or moving into care.

What is property owners’ liability cover?

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.

How is unoccupied property insurance different to standard home insurance?

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’s apparent no one is living in the property.

What does unoccupied property insurance cover?

Policies can vary, but our unoccupied home insurance covers buildings and contents. This includes protection such as FLEE (fire damage, lightning, earthquake or explosion), theft or attempted theft, malicious damage, and subsidence.

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

Does your empty property cover provide probate house insurance?

Our cover is suitable for a number of empty home scenarios, including an unoccupied house in probate*. Buildings insurance and contents insurance are available for unoccupied properties in probate.

How much does unoccupied property insurance cost?

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 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.

Does vacant property insurance cover legal expenses?

Depending on the level of cover, insurance for vacant properties can help to protect legal expenses. Our Unoccupied Property Insurance provides cover for accidents to domestic staff, property owners’ liability, and occupier or landlord’s liability*.

What can I do to keep my empty property safe?

Unoccupied properties may be exposed to certain perils that are not as prevalent when someone is living there. There are steps you can take to help keep your unoccupied property safe from damage whilst it is empty. Two factors worth considering are maintenance upkeep and theft deterrents. You can read a list of suggested tips in our guide.

You may want to consider having the unoccupied property professionally drained during colder months to help avoid water damage caused by a burst pipe. Taking out unoccupied home insurance may also provide you with peace of mind that suitable cover is in place.

Do I need to check up on an empty house?

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 Unoccupied House Insurance requires the policyholder to inspect the empty house at least once every month between February to October and every 14 days during 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.

Does your Unoccupied Property Insurance provide cover for water damage?

Water damage is included in our unoccupied property cover, as well as perils such as storm damage. The full list of covers can be found in our insurance policy documents.

How can I find out the rebuild cost of my unoccupied property?

A survey of the property can help you find out how much it would cost to rebuild your unoccupied property. Alternatively, the Association of British Insurers (ABI) website provides a rebuild calculator that can help to give an indication of cost.

How do I make a claim for unoccupied property insurance?

If you need to make a claim, you can do so by filling in or downloading a form on our website to send to our Claims team.

*Policy limits and exclusions may apply, please see our Landlord Insurance policy wording for full terms and conditions.

Not the right product?

As well as unoccupied properties, we can provide property insurance policies for the following products:

Landlord Insurance

Read More

UK Holiday Home Insurance

Read More

Rent Guarantee Insurance

Read More

Related Guides

Other Links

  • Landlord News – Our provider of the latest industry updates.

  • Gallagher – Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited. Part of the Arthur J. Gallagher & Co group of companies.