Unoccupied property insurance

You should get this cover if your property will be empty for more than 30 days.

• When waiting for new tenants to move in.
• While a property is going through probate.
• During big building works or renovations.
• If you move before your old home sells.
• When you go on a very long holiday.

Your professional will ask for specific details to set up your policy correctly.

• Explain why the home is currently empty.
• Provide details on door and window locks.
• Confirm how you will manage the heating.
• State how often you will visit.
• Share your plans for the property's future.

As a guide, prices often range from £200 to £1,000 depending on the risks.

This insurance gives you peace of mind that your investment is safe.

• It covers the cost of squatter removal.
• It pays for repairs from burst pipes.
• It helps if vandals target the building.
• It keeps you legal during property sales.
• It protects your wealth and assets.

Insurers need to know how you will keep the property safe while it is vacant.

• They check if the home looks lived in.
• They ask about security alarms and locks.
• They need to know about fire risks.
• They look at the local crime rate.
• They ask about water and heating systems.