Landlord Insurance for Empty Property
Many insurance companies consider unoccupied properties to be of higher risk. Therefore they may put a limit on how many days in succession the property can be without an occupier before they limit what your policy covers. If you feel a rental property of yours is likely to often be unoccupied you may therefore want to opt for a policy that offers comprehensive landlord insurance for empty property coverage, or you may be able to find a specific policy for empty rental properties. to see what might be available you can use the table below to compare a selection of links that can provide you with quotes on different types of landlord insurance.
|Provider||Rental Protection||Multi Property Quotes||Public and Property Liability Cover||Special Features||Get Quotes|
Landlord Insurance Quotes »
|Yes||Get Quotes||PRICE GUARANTEE - beat any renewal quote on like for like cover.* Find cheap landlord insurance - Fast online quotes - multi property insurance - loss of rent cover - all tenant types covered||Get Quotes >|
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|Yes||Get Quotes||Save up to 35% on your Landlord insurance** - Cover for Professionals, Student Lets, DSS and many more - One property or portfolio our partners can help||Get Quotes >|
Direct Line Landlord Insurance Quotes »
|Yes||Standard Cover Up to £2m||Direct Line Landlord Insurance with prices from £115 a year 10% of customers paid this or less. Based on policies sold 1st November 17 - 30 April 18. Excludes add ons. Underwritten by U K Insurance Limited.||Get Quotes >|
Smart Landlord Insurance Quotes »
|Yes||Get Quotes||Compare the best prices and policies for landlords. Quick quotes with all risks and multi properties covered by our UK insurance providers.||Get Quotes >|
QuoteZone Landlord Insurance Quotes »
|Yes||Get Quotes||Fill in one form to compare landlord insurance deals from a range of providers and find the right one for you.||Get Quotes >|
|Yes||Cover Up to £2m||We cater for all types of Landlords Building Insurance. Multi-Quote's available, buy online now.||Get Quotes >|
Lloyds Bank Landlord Insurance Quotes »
|Yes||Get Quotes||Get quotes instantly and find the cover you need at a price that suits you. Immediate cover available. Arranged by Arthur J. Gallagher Insurance Brokers Limited who source products from a panel of insurers, ensuring you get the right cover at a competitive price.||Get Quotes >|
*New customers only. Minimum premiums apply. Proof of alternative quote may be required. Based on the same level of cover.
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Landlord Insurance for Empty Property
What constitutes an unoccupied property can have a broad interpretation, in addition to meaning the time in which you are looking for a new tenant or waiting for the them to move in it could also mean time that no one is living there while refurbishment or repairs are being carried out.
A standard landlord building’s cover policy may have a limit on how many days the property can be left empty before they are to restrict your coverage, this is because some incidents are more likely to occur in a property that has been left unoccupied such as pipes freezing as a result of the property being much colder than it would be if occupied, when looking for landlord building cover you may want to see how many days the property can be unoccupied and also if it can be extended as an optional extra.
A furnished property that has been unoccupied for a period of time could potentially pose a particular target for thieves or vandals as a result, your landlord contents insurance may be limited while the property is occupied, you may therefore want to look into getting additional unoccupied property contents insurance.
Landlord insurance providers who specialise in this area will be fully aware of the potential risks that are associated with an empty property.
In order to ensure that your insurance will remain valid, insurers might have certain requirements that several measures are taken by property owners to minimise the risk of damage. They could for example request owners to carry out minor repairs to prevent the property from sliding into disrepair. Or require the owners to remove common signs that the property is unoccupied, such as built up junk mail etc, to minimise the risk of burglaries or other criminal activities.