Owning a property comes with responsibilities—especially when that property is left vacant. Whether it’s a second home, a house waiting to be sold, or a property undergoing renovation, being unoccupied for too long increases the risk of damage or loss. That’s where unoccupied home insurance steps in.
If you’re in the UK and your property will remain empty for more than 30 days, this type of insurance could be essential.
🔍 What Is Unoccupied Home Insurance?
Unoccupied home insurance is a specialized type of insurance policy that protects properties left empty for extended periods. Standard home insurance typically only provides full coverage if the property is occupied or unoccupied for no more than 30–60 days. After that, many providers limit or even void coverage due to the increased risk of theft, vandalism, fire, or water damage.
Unoccupied home insurance fills that gap.
🛠️ Why a Vacant Home Needs Special Protection
When a home is empty, certain issues go unnoticed longer and risks increase. For example:
- A leaking pipe might flood the house if not discovered early
- Empty homes are more attractive to burglars
- Vandalism, squatting, or fire damage may occur without timely action
Unoccupied home insurance provides peace of mind while you’re away from the property for reasons such as:
- Extended travel
- Property on the market for sale
- Awaiting probate or inheritance proceedings
- Home renovation or construction delays
- Rental property between tenants
🧾 What Does Unoccupied Home Insurance Cover?
Coverage varies depending on the provider and policy, but most unoccupied home insurance in the UK includes:
âś… Buildings Insurance
- Covers structural damage from events like fire, storm, or vandalism
âś… Contents Insurance
- Covers belongings left inside the property (optional)
âś… Theft and Vandalism
- Protection against break-ins, attempted theft, or malicious damage
âś… Burst Pipes and Water Leaks
- Covers escape of water from heating or plumbing systems
âś… Public Liability Cover
- Covers claims if someone is injured on your property or if it causes damage to someone else’s property
âś… Legal Expenses (optional)
- Assistance with legal fees in cases like eviction of squatters
🚫 What’s Not Covered?
Most policies will have specific exclusions. These often include:
- Damage from negligence or poor maintenance
- Major structural works unless declared and approved
- Theft without forced entry
- Loss or damage if security measures weren’t in place (e.g., unlocked doors/windows)
Always read the policy documents carefully to know the conditions of your cover.
đź’° How Much Does It Cost?
Unoccupied home insurance typically costs more than standard home insurance, because the risk profile is higher. The premium depends on several factors:
| Factor | Impact on Premium |
|---|---|
| Location of the property | High-crime or flood-prone areas may cost more |
| Property value and size | Larger and more valuable homes may require higher coverage |
| Security features | Alarms, CCTV, and locks can reduce premiums |
| Duration of vacancy | The longer the home is empty, the higher the risk |
| Type of coverage | Adding extras like legal or contents insurance increases cost |
đź“ť Tips to Keep Your Unoccupied Home Safe
To maintain your coverage and reduce premiums, insurers may require or recommend:
- Regular property checks (e.g., every 7 or 14 days)
- Draining the water system during winter months
- Installing motion-sensor lights or CCTV
- Keeping the lawn trimmed or using light timers to make it appear lived-in
- Informing the insurer if the property becomes occupied again
đź›’ How to Buy Unoccupied Home Insurance in the UK
- Research Providers: Use comparison sites or consult insurance brokers
- Get Quotes: Request quotes based on how long your property will be unoccupied
- Customize Coverage: Choose what you need (buildings only or buildings + contents)
- Disclose Everything: Let your insurer know the exact condition and purpose of the vacancy
- Purchase Policy: Complete the application and begin your coverage
Some top providers offering unoccupied property insurance in the UK include:
- AXA
- Aviva
- Admiral
- HomeProtect
- Gallagher (for high-value properties)
🧠Final Thoughts
If your property will be sitting empty for more than a month, standard home insurance may not be enough. Without proper coverage, you risk losing financial protection just when you need it most.
Unoccupied home insurance is a smart investment that ensures your home is safeguarded—even when you’re not there to keep an eye on it.
Planning ahead can save you thousands in repair bills and liability. Protect your property, protect your peace of mind.