Unoccupied with the intention to move into the property

What is unoccupied property insurance?

If no one is living in a property for a period of time, this is know as an unoccupancy, or vacant property.

It’s important to ensure your property is protected during periods of unoccupancy as this is when insurers deem properties at their most vulnerable and highest risk in terms of protection required.

We specialise in providing cover for many of the situations property owners need insurance cover for, including protection for when your property is empty.

We offer short term and annual policies on all unoccupied and empty property insurance, offer as much flexibility as possible, and we can also change the cover you require during the term of your policy, should the property become occupied by tenants for landlords, to avoid setting up a whole new policy.

Unoccupied with the intention to move into the property

If you have found yourself in a situation where you will be moving into a property in the future, but isn’t ready or you can’t move in straight away, it can be a nervous time for property owner, knowing that their property is vacant and wanting to avoid anything compromising the safety and state of their home.

Having unoccupied property insurance can help offer peace of mind and assure you that you have the right level of vacant property insurance cover in place until the move-in date occurs. We also offer household insurance at this point to make the set and cover replacement as seamless as possible.

If you’re unable to move into the property due to renovations, you can see how our cover protects unoccupied properties undergoing work or renovations.

Frequently Asked Questions

What does “unoccupied with the intention to move in” mean?

This is when you own a property and plan to live there, but no one has moved in yet. For example, you’re waiting for work to be completed, doing light decorating first, or relocating at a later time. The property is empty, but it’s not being let or used as a holiday home.

Why do I need specialist unoccupied insurance before I move in?

Standard home insurance usually expects the property to be lived in. When it’s empty, the risk of theft, vandalism, escape of water and unnoticed damage is higher.