Insurance for Unoccupied Properties
At Brunel Insurance for People, we understand the importance of protecting a property when it’s left empty. Whether your home is unoccupied due to renovation, awaiting sale, between tenants, during hospitalisation, or for any other reason, our specialist unoccupied property insurance can help safeguard it against unexpected risks.
We provide tailored cover options for unoccupied, empty, and vacant properties, ensuring your building and contents remain protected while the property is not in use.
Why Choose Unoccupied Property Insurance?
Standard home insurance policies often don’t provide full protection if a property is left empty for an extended period (usually more than 30 days). Our specialist unoccupied property cover is designed to protect against risks such as:
- Fire, storm, and flood damage
- Theft or attempted theft
- Escape of water (e.g., burst pipes)
- Vandalism
Flexible Cover Options
We can arrange:
- Buildings Insurance – protection for the structure of your property
- Contents Insurance – cover for possessions inside the property
- Property Owners Liability – protection against legal claims for injury or damage
Policies can be short-term or long-term, depending on how long the property will be empty.
Understanding Unoccupied Property Insurance
Also known as empty property insurance or vacant property insurance, this type of cover ensures your property remains protected during periods without occupants. It helps reduce the financial risk of unforeseen events while the home is left unattended.
Common Reasons a Property May Be Unoccupied
- Awaiting sale after moving out
- Between rental tenants
- Undergoing refurbishment or repairs
- Long-term travel or overseas work
- Inheritance and probate processes
Why You Must Inform Your Insurer
It’s essential to notify your insurer if your property becomes unoccupied. Empty homes can be at higher risk of damage or theft, and failure to inform your insurer could result in restricted cover or even policy cancellation.
Why Choose Brunel Insurance for People?
- Expert Advice – Our team understands the complexities of insuring unoccupied homes
- Tailored Policies – Flexible cover to match your situation
- Trusted Service – Rated highly by our customers on TrustPilot and Feefo
Get a Quote for Unoccupied Property Insurance
Protect your empty home today. Call our team on 0333 188 11 11 or click below to get a quick, no-obligation quote.
