What we cover

If you are responsible for an unoccupied property or vacant property it is important to keep it protected. Our Unoccupied Property insurance caters for most types of property whether it’s a private dwelling, small commercial property or even just land you need to insure, we can help.

What's included?

Full Accidental Damage Covered
Internal & External Glass
Nest Removal
Underground Services for Pipes, Cables and Sewers
Emergency Access Damage
Additional Expenses for Architects, Engineers and Debris Removal
Landscaped Gardens
Trace and Access
Closed Circuit TV Systems
Fly Tipping Up To £5k
£5mil Property Owner’s Liability
Optional Contents Cover
Fire, Lightning, Earthquake and Explosion
Storm, Flood, Weight of Snow, Escape of Water or Oil
Theft or Attempted Theft
Fallen Trees, Lampposts or Telegraph Poles
Breakage or Collapse of Satellite Equipment and TV Aerials
Subsidence, Landslip or Heave

Key product features

With over 20 years' experience of serving the unoccupied community, we understand the needs of solicitors, home owners, local authorities, charities, conveyancers and more.

To ensure we cover a variety of eventualities we have spoken to our customers, partners and solicitors to ensure we include features for all types of unoccupied property situations. We understand that every opportunity is different, requiring its own specific policy.

Empty House Insurance calendar

Flexible policy terms

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

Vacant property inspections

No inspections

Where possible, our cover can exclude regular, documented property visits which other policies 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 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 the limitations 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 to your property at a time when you need it the 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, power of attorney, extended holidays, secondments and buy to let gaps in tenancy

Unoccupied contents insurance

Contents cover

Whilst we are aware that 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 for the different levels of security in operation

Types of property we cover

yellowstone house

Detached, Semi Detached, Terraced, Bungalows, Maisonettes

Vacant cottage


Flats (Contents Only)


unoccupied caravan

Park Homes and Static Caravans