Unoccupied Property
Insurance
Safeguard your vacant properties from theft, vandalism, and damage, ensuring total security and hassle-free, all-encompassing insurance solutions.
- Comprehensive Coverage
- Competitive Rates
- Experts Advice
Overview of Unoccupied Property Insurance
Unoccupied property insurance is essential if you intend to leave your property vacant for more than 30 days. Standard home insurance policies typically do not provide the specialised coverage required in such circumstances, making unoccupied property insurance a necessity when leaving your property for any extended period.
This type of insurance is crucial if you are vacating your home for reasons such as home renovations, awaiting tenants, going through the probate process, or taking an extended holiday. It ensures that your vacant property remains protected against potential risks such as theft, vandalism, or damage.
Unoccupied Property Insurance Coverage
Buildings
Cover
This protects the main structure of your property, including attached garages, patios, driveways, and outbuildings. The cover can be tailored to meet your individual needs.
Contents
Cover
This covers the contents within your unoccupied property, including furniture, clothing, valuables, and appliances. It also includes protection for bikes, gadgets, and entertainment equipment.
Liability
Cover
This provides protection against costs or damages resulting from incidents involving third parties on your premises. It covers legal liabilities, including claimant fees and legal costs, offering you comprehensive protection.
Comprehensive Protection for Your Unoccupied Properties
If you plan to be away from your home for more than 30 days, or if you’re unsure when you’ll return, it’s essential to protect your property with unoccupied property insurance.
Buildings Cover
Building insurance cover protects the physical structure of your property when it is unoccupied. It safeguards the property against losses caused by theft, vandalism, or weather-related damage. This includes coverage for the property’s walls, patios, garages, outbuildings, boundary walls, and other permanent fixtures.
Building insurance often requires owners to take additional precautions, such as draining water systems, to ensure the cover remains valid. This insurance provides vital protection against substantial financial loss caused by unexpected events affecting the property.
Contents Cover
Contents insurance provides financial protection for the belongings inside your property while it is unoccupied. When a property is empty, it becomes more vulnerable to risks such as theft, vandalism, fire, and water damage. Contents insurance ensures that your personal items and belongings inside the property are safeguarded against such events.
However, contents insurance for unoccupied properties may come with stricter conditions. These can include requirements to remove certain items or implement specific security measures, such as alarm systems, to ensure the policy remains valid.
Liability Cover
Liability insurance protects you against legal or financial responsibility if someone is injured on your unoccupied premises. This coverage is particularly important for uninhabited properties or vacant homes, as the risk of accidents or incidents increases when the property is not in use.
Liability cover will provide protection if a visitor is injured on the vacant property. Additionally, it will safeguard you against property damage claims made by neighbours. It is essential to have this coverage in place for unoccupied properties to help mitigate potential financial risks.
Why Opt for SIS Unoccupied Property Insurance?
Opting for unoccupied property insurance ensures that your unoccupied homes are protected from unwanted risks and potential damages. If you plan to leave your property for more than a month or have already left it uninhabited for an extended period, our unoccupied property insurance policy is the ideal solution.
We offer comprehensive protection for your holiday homes, inherited properties, and homes undergoing renovation, shielding them from vandalism, break-ins, malicious acts, and incidents like burst pipes. Choose SIS for reliable service and expert coverage.
Flexible Policies
Affordable Rates
Hassle-Free Process
Our Simple, Clear, and Hassle-Free Process
Report the
Incident
Submit Related
Documents
Assessment &
Evaluation
Receive Your
Compensation
Do Not Leave Your Unoccupied Properties Uninsured
Whether your property is in probate, awaiting a tenant, or on the market for sale, do not leave it uninsured. Unoccupied property insurance will protect you from financial stress and unwanted legal complications.
Vacant homes are more vulnerable to break-ins, vandalism, and damage. If you’re leaving your property for a while and want to protect your furnished or unfurnished home, make sure it is insured.
Get The Best Advice From Our Insurance Brokers
We provide tailored insurance advice to our clients, ensuring it meets their specific needs. Our dedicated claims team is on hand to manage the claims process efficiently, making it as smooth and hassle-free as possible.
Unoccupied Property Insurance FAQs
Find answers to the most commonly asked questions about unoccupied, vacant, or empty property insurance.
What is unoccupied property insurance?
Unoccupied property insurance is designed for residential properties that are left empty for extended periods, such as a month or two. Standard home insurance policies are not suitable for these situations. Homes left vacant are more vulnerable to vandalism, risks, and water damage, making unoccupied property insurance essential.
What is the difference between unoccupied property, empty property and vacant property?
The terms unoccupied, vacant, and empty property are often used interchangeably, but there are subtle differences. An unoccupied property is one that is awaiting an occupant and may still contain some belongings or furnishings. A vacant property is one that is completely unfurnished and awaiting tenants. An empty property is a broader term that can refer to both furnished and unfurnished homes.
What can be classed as an unoccupied property?
An unoccupied property typically contains furniture and utilities but is temporarily empty due to specific circumstances. Examples include rental properties waiting for new tenants, homes undergoing renovation or construction, houses for sale, holiday homes, or inherited properties. Unoccupied properties are generally well-maintained and ready to be occupied in the future.
What does unoccupied property insurance cover?
Unoccupied property insurance covers risks such as fire, storm damage, flooding, pipe bursts or water leaks, subsidence, heave, or landslip. It also protects against theft, vandalism, and other malicious acts. Additionally, liability insurance cover.