Unoccupied property insurance for solicitors, local authorities and charities

Many standard household policies restrict cover or even automatically cease cover when a property becomes unoccupied. Our solution is wholly focussed on insuring empty properties and offering a product without unnecessary terms.

We work alongside hundreds of solicitor firms and a number of Local Authorities and charities each year, and have been insuring residential and small unoccupied commercial properties, for them and their clients, for over 20 years.

Our services can support you and your clients

> Probate solicitors, Deputies, Attorneys, Surveyors, Conveyancers
> Anyone with the responsibility for a property where there is a period of unoccupancy
> Family members where they have been appointed as a Deputy or Attorney for elderly, infirm or disabled relatives
who have been taken into care
> Local Authorities and Charities with the responsibility for property, where an elderly, infirm or disabled
home owner has been taken into care
> Charities responsible for properties left to them as part of a legacy or bequest

Designed with unoccupied properties in mind

Some insurers put in place stringent terms ("Unoccupied Warranties") which must be enforced before they will provide cover. Guardcover offers a product without unnecessary terms to comply with, often removing the need for continual visits to the property (in most cases).

We understand that it's not always possible to carry out weekly property inspections, or indeed practical to switch off all utilities and drain down heating systems. We try to reduce the need for these conditions as much as possible and, in most cases, there isn't a need for inspections to take place.

However, if you can comply with these additional terms we offer discounts off your premium, which is possibly the most flexible and unique solution available for the cover you need.

What does Guardcover Unoccupied Property Insurance offer?

Our unoccupied property insurance caters for most types of property, whether it's a residential home, small commercial property or just land you need to insure, we can help.

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.

Empty House Insurance calendar

Flexible policy terms

Cover that gives you the flexibility with policy terms of 1,3,6,9 or 12 months available

Vacant property inspections

No inspections

Where possible, our cover can exclude regular, documented property visits other insurers can insist on

Unoccupied Property Maintenance

Non-standard construction

We understand that properties come in all shapes and sizes, which is why cover is available for many non-standard construction types including most timber-framed, pre-fabricated, flat-roof and other building types

Weather protection

Non-restricted cover

Many standard policies can limit cover to instances of fire, lightning, earthquake or explosion. In most cases, we offer cover beyond limitation of others, including water damage, accidental damage, subsidence cover and more

Empty house inspections

Wide range of cover

Whilst other insurance policies can look to limit the cover available for your property at a time when you need the cover most, we provide a wide range of covers for your unoccupied property

empty home insurance

Variety of circumstances

We can cover most circumstances including properties going through probate, deputyship and power of attorney, extended holidays, secondments and buy to let gaps in residency

Unoccupied contents insurance

Contents cover

Whilst unoccupied properties are at increased risk of vandalism, theft or access by squatters, we can still provide contents cover alongside your building cover

Securing an Unoccupied Property

Security discount

Our pricing for your unoccupied property insurance will automatically include a discount covering the different levels of security in operation at your property

What our customers say

Very Helpful

"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


Extremely Efficient

"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