Home Insurance for Empty Property

If you have a home that is currently unoccupied, you may want to consider home insurance for empty properties. See the table below for the latest unoccupied home insurance deals:

Insurance for Unoccupied Homes
Insurance BrokerSpecialist InsuranceGet Quotes
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 >
Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
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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£1,000,000£150,000

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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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

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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VariesVaries

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.

It may be that:

  • Your home is in between tenants and awaiting occupation.
  • It is a second home, or holiday home
  •  The building renovations to your home mean that you cannot stay in the property.
  • The previous owner may have died and the property is now up for sale.
  • You intend to move in at a later date.
  • You may work abroad frequently and for extended periods.

Whatever the reason, you may not be covered sufficiently on a standard home insurance policy if the property is empty for long periods of time.

An empty house can attract all sorts of unwanted attention if it is obviously unattended. Your home may be at higher risk from:

  •  Squatters
  • Third party damage
  • Vandalism
  • Theft
  • Deterioration

There are a number of companies which offer home insurance for empty properties. Many offer flexibility with dates and provide tailor-made home insurance quotes to suit your needs.

You can search the internet for an empty property home insurance quote where you will have access to an array of different companies to locate and compare. Use the table above to see if you can find the right cover.