Property owners

Unoccupied Residential Insurance

Empty residential property can fall outside standard household or landlord insurance conditions, especially after a property has been vacant for a set period or is awaiting sale, probate, renovation or new tenants.

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Who It Is For

  • Empty houses and flats
  • Residential lets between tenants
  • Probate, sale, refurbishment or renovation properties

Cover To Review

  • Buildings and property owners liability
  • Escape of water, storm, fire and theft
  • Legal liability and inspection conditions
  • Renovation or contractor activity if applicable

Underwriting Detail

  • Why the property is empty
  • Expected vacancy period
  • Security, services and inspection frequency
  • Works, contractors and previous claims

Related Insurance Pages

Unoccupied Residential Insurance FAQs

Why does an empty home need special insurance?Standard home or landlord policies can restrict cover once a property is unoccupied beyond the policy limit.

Can unoccupied residential insurance cover renovation?Renovation or building works must be declared so the insurer can decide whether the activity is acceptable.

What conditions usually apply?Insurers commonly set inspection, security, services and maintenance conditions for empty properties.