Home Insurance for Unoccupied Property

Compare Home Insurance for Unoccupied Property Across UK Market

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Home & Contents Insurance Offers!
Buildings Insurance
No Limit
Contents Insurance
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Special Features
Up To 30% online discount. Comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.
Alternative Accommodation

Up To 30% Off When You Apply Online For New Customers

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
Defaqto 5 Star Rated Home Insurance. 25% online discount for new customers
Alternative Accommodation
Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
Alternative Accommodation

*T&Cs apply

Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Save up to 20% online
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
Special Features
Get 35% off when you buy online*
Alternative Accomodation

Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
Special Features
Escape of water cover as standard. Churchill wont just cover the costs of finding the leak but also sort the damage it causes*. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
Alternative Accomodation

Churchill Home Insurance

*Buildings cover required. Policy limits and £450 Escape of Water excess apply. Underwritten by U K Insurance Limited

Home Insurance
Up to £750,000 to help rebuild your home
Contents Insurance
Up to £75,000 contents cover
Special Features
Buy online and save 30%
Alternative Accomodation

ASDA Money Home Insurance

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
Special Features
Get a quote and enjoy a free Costa Coffee with Age Co Home Insurance (Ts & Cs apply)
Alternative Accomodation

Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
Alternative Accomodation

Saga Home Insurance

Home Insurance for Unoccupied Property

There are companies which specialise in offering home insurance for unoccupied properties – evaluate the extent of the cover you will need and compare deals above. Assess all risks involved and read each policy carefully to make sure you get the cover you need.

There are a variety of situations that could result in your property becoming vacant:

  • Your property is waiting to be bought or sold
  • It is undergoing repairs or refurbishments
  • You have inherited the property
  • There are currently no tenants living there

There are also many insurance providers that can accommodate for your personal unoccupied property home insurance needs.
Home insurance for unoccupied properties is recognised as a specialist and particular brand of insurance due to the potential risks that it poses. It is probable that the premiums for this type of cover will be higher than usual.

An unoccupied home is at higher risk from a number of hazards such as:

  • Fires
  • Theft of contents and property fixtures
  • Vandalism
  • Squatters
  • Deterioration

There are a few things you can do to reduce risk to your property and avoid extremely high insurance premiums:
Removing all of the valuable contents from your house which reduces the risk of theft and damage as well as the risk of fire occurring and spreading.

Fitting the home with an alarm and other security devices could reduce your premiums as you are adding protection.
Make sure windows and doors are securely shut, locked and fitted with security devices.

Public liability cover can ensure that you are protected from visitors and work men suffering injury as a result of ill fitted structures and hazardous items.