Contents Insurance for an Empty House

If you are going to be leaving a property vacant for a substantial period of time, it may well be a smart move to take out a contents insurance policy for your empty house. A person’s first reaction to the idea of providing contents insurance for an empty house may be that it is rare that an unoccupied property will be fully decked out with a family’s possessions. While this may be true, there are a number of situations in which a person will need to protect the things that are inside an unoccupied home.

There are a number of initial points to consider when it comes to protecting persons possessions if they are contained in an empty house. This is not to say that many insurance companies will not be able to provide you with competitive contents insurance, and we can in fact point you to the listed companies below.

Insurance for Unoccupied Homes
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Fast insurance quotes for unoccupied homes - over 30 day unoccupation not a problem - Holiday homes insured - Buildings and Contents insuranceGet Quotes >
Unoccupied Holiday Home Insurance Quotes - UK and Overseas Holiday Homes - Buildings and Contents insuranceGet Quotes >
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Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

The First thing to consider is the fact most companies offering standard buildings and contents insurance will not insure houses left empty for more than a month. This is because there is an increased risk of:

  • attempted break in and theft
  • vandalism
  • unnoticed subsidence, storm or flood damage

So, you will most likely be better covered by taking out specialised unoccupied home insurance, but this leads to the second initial point of consideration. Most unoccupied home insurance does not provide contents insurance for the empty house, only buildings cover.

This will leave some people in a tricky position. If a person is leaving there home unoccupied for a couple of months but does not want to move all of their stuff out, they face three possibilities:

  • taking out a specialist unoccupied home insurance from the insureres listed above 
  • having to place the possessions in storage
  • taking out a second home policy

A second home policy could perhaps be the easiest way to get contents insurance for an empty house, but this depends on your situation and whether or not you think an empty house policy will provide you with the right level of protection.

With this kind of specialist requirement, it is all the more important to take the time required to analyse different contents insurance quotes. The companies we have listed above will provide you with a quick and effective service.