Home Insurance for Unoccupied Property

Compare Home Insurance for Unoccupied Property Across UK Market

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Compare over 40 UK home insurance providers
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Save time and money. One short form to complete, tailor a policy to suit your needs and compare providers
Buildings Insurance
Unlimited buildings cover to rebuild your home (eligibility criteria applies)
Contents Insurance
From £50,000 up to £150k contents cover (depending on policy)
Special Features
If you're looking for cheap home insurance get a quote with Admiral - you could pay as little as £113 if you insure your home*.
Alternative Accomodation

Admiral Home Insurance

Buildings Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Choose from three levels of cover for Buildings, Contents or both. Tailor your policy with the optional add-ons. Make changes to your policy, without admin fees or hidden charges. When renewing, you won't pay more than a new customer for the same cover
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
Award-winning Saga Home 3-year fixed price cover includes valuable extras: Accidental damage cover for mishaps in the home, Personal belongings cover to protect your items when you're away from home, Matching sets cover
Alternative Accomodation

Saga Home Insurance

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. 24/7 UK emergency helpline
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Home Insurance
Get a quote in less than five minutes
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Prices from over 55 brands
Special Features
Save up to 41%*
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Moneysupermarket Home Insurance Comparison

Buildings Insurance
No Limit
Contents Insurance
No Limit
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
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Compare cheap buildings and contents insurance. You could save up to £107*
Alternative Accommodation
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’21). 51% of home insurance customers could save £107.96 on a combined policy
Buildings Insurance
£750,000 million to help rebuild your home
Contents Insurance
Based on what you actually own
Special Features
Amazing home insurance at amazing prices. Buzzvault home insurance is based on what you actually own. This allows us to offer the cover you need at the best price
Alternative Accomodation

Buzzvault 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.