Row of Terraced Houses

Unoccupied Home Insurance

Unoccupied Home Insurance

If your home is left unoccupied regularly, then it can be a challenge to arrange insurance cover which doesn’t cost an arm and a leg, whilst covering everything you need. It can often be a frustrating process arranging Home Insurance cover for homes that differ from the norm.

We specialise in finding you the cover you need, from our panel of trusted insurers, because we understand that Unoccupied Home Insurance doesn’t need to be a headache!

We can cover most non-standard risks, including:

  • Floods
  • Subsidence
  • Unoccupied properties
  • Owners with previous convictions
  • Owners with adverse claims history

Why do I need specialist insurance if my home is unoccupied?

Unoccupied properties are often seen as a higher risk, than a property which is occupied regularly. This is because if the unexpected occurs, it is unlikely to be discovered as quickly, potentially increasing the severity of a claim.

Most home insurance policies will provide cover for you, whilst your home is unoccupied, but cover can be restricted to certain events only, or carry with it limits on how many days in a year, or in one event, where cover will be provided if your home is unoccupied. If you own a second home as a weekend getaway, a standard Home Insurance policy is unlikely to provide the right cover.


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