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Do You Need Landlord Insurance If Your Tenant Already Has Business Insurance?
When letting out a commercial property, some landlords assume that if a tenant holds business insurance, it covers all risks. In reality, commercial…
Unoccupied PropertyInsurance
Unoccupied Property Insurance
Cover for empty property, between tenancies, during probate, awaiting sale or undergoing renovation.
Cover for empty property, between tenancies, during probate, awaiting sale or undergoing renovation.
Cover while emptyTheft & malicious damageContents left behind
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is unoccupied property insurance?
Unoccupied property insurance covers a building that is empty or not being lived in. Standard home and landlord policies restrict or withdraw cover once a property has been vacant for a set period, leaving a gap this cover fills.
Most policies restrict cover after around 30 to 45 consecutive days of the property being empty, and many landlords only discover this after a claim is declined.
The right unoccupied cover depends on:
Why the property is emptyHow long it will stay emptyWhether it’s furnishedSecurity and inspection arrangementsWhether utilities are switched offProperty type and construction
Is unoccupied property insurance right for your situation?
Is unoccupied property insurance right for your situation?
If a property is standing empty for any reason, a void period, a probate sale, a renovation or a stalled chain, this is the cover built for that situation.
If a property is standing empty for any reason, a void period, a probate sale, a renovation or a stalled chain, this is the cover built for that situation.
Between Tenancies
Void periods where a rental sits empty while you find the next tenant.
Probate & Inherited
A property standing empty while an estate is settled or sold.
Awaiting Sale
An empty property on the market, including chains that have stalled.
Under Renovation
A property empty while work is carried out, often for months at a time.
Empty Commercial Units
Shops, offices and industrial units between commercial tenants.
Seasonal & Second Homes
Properties left unoccupied for long stretches of the year.
What could put your empty property at risk?
What could put your empty property at risk?
Escape of water and theft dominate empty-property claims, because with nobody present a small problem has weeks to become a large one.
Escape of water and theft dominate empty-property claims, because with nobody present a small problem has weeks to become a large one.
How could a claim affect your property?
How could a claim affect your property?
With no one at the property, damage is usually discovered late and costs more to put right. Here are four common scenarios and the cover that responds.
With no one at the property, damage is usually discovered late and costs more to put right. Here are four common scenarios and the cover that responds.
Fire
A fire goes unnoticed and spreads before anyone raises the alarm.
What cover may respond?
Unoccupied Buildings
Escape of Water
A burst pipe runs for weeks before anyone discovers it.
What cover may respond?
Unoccupied Buildings
Storm Damage
Thieves strip copper piping and the boiler from the property.
What cover may respond?
Theft & Malicious Damage
Visitor Injury
A contractor is injured while working at the empty property.
What cover may respond?
Property Owners’ Liability
Who needs unoccupied property insurance?
If a property has been empty for more than about 30 days, your existing policy may already have restricted cover, often to fire and lightning only, with theft, escape of water and malicious damage excluded.
This cover may be suitable for:
Landlords between tenanciesExecutors handling a probate propertyOwners of a property awaiting saleOwners of empty commercial unitsLandlords with student HMOs over summerOwners of inherited propertyCover built around an empty property
Cover built around an empty property
Unoccupied cover keeps full buildings protection in force while a property is empty, then adds theft, liability and contents cover that standard policies withdraw.
Unoccupied cover keeps full buildings protection in force while a property is empty, then adds theft, liability and contents cover that standard policies withdraw.
Unoccupied Buildings
Full buildings cover that stays in force while the property is empty, rather than dropping to fire-only.
Property Owners’ Liability
Protection if a contractor, agent or visitor is injured at the property while it stands empty.
Theft & Malicious Damage
Cover for stripping of copper, boilers and fittings, and for deliberate damage, often excluded once a property is empty.
Contents Cover
Cover for any furnishings or appliances left in the property while it stands empty.
Loss of Rent
Helps replace income where a void period is extended by damage rather than by finding a tenant.
Legal Expenses
Legal protection for disputes, including removing unauthorised occupants.
How the quote process works
How the quote process works
Simple steps. Expert advice on the cover an empty property actually needs.
Simple steps. Expert advice on the cover an empty property actually needs.
1
Tell us about the property
Why it’s empty, for how long, and whether work is planned.
2
Confirm your security measures
Inspections, alarms and whether utilities are turned off.
3
We compare specialist insurers
We search insurers who actively cover empty property.
4
Get covered and get your documents
Receive your policy documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Unoccupied property insurance guides
Unoccupied property insurance guides
Practical advice on void periods, security conditions and staying covered.
Practical advice on void periods, security conditions and staying covered.
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Unoccupied property insurance FAQs
Unoccupied property insurance FAQs
Straight answers on void periods, conditions and cover.
Straight answers on void periods, conditions and cover.
It covers a building that is empty or not being lived in. Standard home and landlord policies restrict cover once a property has been vacant for a set period, and this fills that gap.
Still have questions?
Our advisers are here to help you find the right solution.