Residential property insurance for unoccupied properties
Many standard household policies restrict cover or even automatically cease cover when a property becomes unoccupied after a specified period. Our solution is wholly focussed on insuring empty properties and offering a product without unnecessary terms to comply with. We've been insuring residential properties for over 20 years - call us to find out how we can help you.
Why would I need specialist "Unoccupied Home Insurance" cover?
Most insurers will not provide cover if a property is left unoccupied for more than 30 days. Insurers are reluctant to insure an empty home because they are often seen as a higher risk - they can be targeted by thieves, squatters or vandals; and the damage caused by flood or fire will often be more extensive because there is nobody at home to limit the damage.
What else would be helpful to know?
Unoccupied Home Insurance policies will often require you to meet certain requirements - these are often known as "Unoccupied Warranties". For example, draining the water systems, switching off the utilities, documented visits on a weekly basis, installing certain locks, sealing the letterbox, etc. Failure to comply could lead to a claim being turned down.
What does Guardcover unoccupied property insurance offer?
We have over 20 years' experience in providing this cover and have our experienced and supportive UK Customer Service Team ready to discuss your specific requirements and give you that extra peace of mind.
What our customers say
"I am very happy with the service I receive...the team members are always very helpful and send through the quotes quickly. When renewals are due, we get notifications in good time to be able to renew the same."
Kate Pearce - Lyons
Polite and Professional
"I feel your firm is extremely polite, professional and efficient. There does not appear be a request too great for you to deal with and even on the cases where the insurers are not willing to provide a quote, I believe your agents have explored all avenues before coming back to me."
Luke Grundy - Wilkin Chapman
"Thank you for all your help in arranging cover for the property, I found your service extremely efficient and I look forward to working with you in the future"
Olivia Cooper - DMH Stallard