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House insurance for empty house

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75% of customers could get a cheaper quote over the phone *

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  • Specialist advice to ensure you get the right cover at the right price
  • Interest free installments
  • Cover during probate
  • Excellent unoccupied premiums
  • Non standard construction options available
  • Flexible, comprehensive vacant insurance cover

House insurance for empty house


There are a number of reasons why the property you own needs to lie empty and unoccupied for several months or so:

  • perhaps you are working away from home on a particular contract;

  • visiting friends or relatives on an extended holiday;

  • renovating or remodelling your home;

  • you have just bought an empty property to refurbish before moving in or letting to tenants; or

  • if you are a landlord, there is a vacancy between one tenancy ending and a new one commencing.

Why do you need house insurance for an empty house? 

In a nutshell, you need specialist empty property insurance simply because any other type of cover is likely to leave you exposed to many risks and perils.

This exposure is caused by the fact that insurers offering standard home building and contents insurance or cover for a buy to let property invariably reduce the level of protection available – or, indeed, regard it as lapsed altogether – once the property has been unoccupied for 30 to 60 consecutive days or so (the precise period varying from one policy to another).

The insurers’ reasoning is simple – an empty property faces a different order of risk than one which is continuously occupied:

  • an otherwise minor, routine maintenance issue might develop into a major disaster if no one is on hand to notice or to report the fault; and

  • an empty building is notoriously attractive to squatters, vandals and other intruders, who may cause considerable damage.

What you need to know when buying cover 

With your standard form of property insurance almost certainly restricted or lapsed, when you are buying house insurance for an empty house you are likely to want full and comprehensive cover restored.

What you need to know, therefore, is the level of cover provided by the replacement empty property insurance and the range of risks insured.

It is important information, since even some forms of unoccupied property insurance still leave many risks uninsured and the building, its contents and possibly your liabilities as the owner of the property without sufficient protection.

You also need to know whether there are any time limits to the cover provided – the last thing you want is for your property to become vulnerable once again because the empty property insurance has expired. A policy that is flexible enough to allow for periodic extension may provide the solution.

Why choose us?   

At UKinsuranceNET we address all of these concerns:

  • you may choose between basic levels of cover or more fully comprehensive policies;

  • we are able to arrange cover not only for the structure and fabric of your empty property, but also for the contents too;

  • you may also choose between short-term and longer-term policies, depending on your estimated absence from home or the period until tenants move in once again; and

  • we have various payment options available, including interest free instalment plans.

Whatever the reason for having to leave your house empty and unoccupied, you are still likely to want the safeguard of adequate insurance. Thanks to the expertise and experience we offer here at UKinsuranceNET, a suitable policy may be readily arranged for your temporarily unoccupied property.



* 75% of all customers receiving an online quote in May 2017 could have obtained a cheaper quote over the phone, based on the information they provided