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Unoccupied property insurance from Alternative Insurance is suitable for properties which will be vacant for 30 days or more. Our cover is flexible. You can choose any period of cover such as 3, 6, 9 and 12 month insurance policies. This means you are only paying for what you need to avoid any unnecessary costs.
Empty Homes
If you know your main home will be unoccupied for more than 60 days, just let us know so we can make sure your cover isn’t affected. In the event that your home becomes permanently unoccupied, you will need specialist cover. That’s where our expert team can help to advise you.
High Risks
When insuring an empty house, keep in mind it might be more expensive than standard building insurance. This is because vacant properties can be at higher risk of squatters, vandalism or fire.
Alternative offer good value insurance. Other insurers may be cheaper, but lower levels of cover can leave you open to risk. Often insurers will not provide full cover while a property undergoes renovation or refurbishment. However, in most cases we can offer extensive cover.
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Cover Details
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Flexible policies for 3, 6, 9 and 12 months at a time
Property owners liability cover of up to £2 million
Cover available for properties undergoing renovations
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What We Offer
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Instant cover available over the phone
Wide panel of insurers availble
Flexible payment options
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Unoccupied House Insurance FAQs
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_toggle title=”How do I minimise the risks to an unoccupied property?” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#74912d” open_icon_color=”#74912d” _builder_version=”4.16″ title_text_color=”#ea8800″ title_level=”h4″ title_font=”|600|||||||” title_text_align=”left” title_letter_spacing=”2px” body_text_align=”justify” text_orientation=”justified” border_color_all=”#74912d” border_width_right=”0px” border_width_bottom=”0px” border_color_bottom=”rgba(80,0,109,0.43)” border_width_left=”0px” global_colors_info=”{}”]
- Inspect the property regularly
- Ensure repairs are done swiftly
- Remove all valuables
- Seal letter boxes to reduce vandalism
- Secure your property with high security window and door locks
- Set the burglar alarm (if there is one)
- Turn the heating on or keep it on a frost alert setting during winter
- Switch off utilities
[/et_pb_toggle][et_pb_toggle title=”I’m having works done on the property, what do the insurers need to know?” open_toggle_text_color=”#000000″ open_toggle_background_color=”rgba(255,255,255,0.05)” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#74912d” open_icon_color=”#74912d” _builder_version=”4.16″ title_text_color=”#ea8800″ title_level=”h4″ title_font=”|600|||||||” title_text_align=”left” title_letter_spacing=”2px” body_text_align=”justify” text_orientation=”justified” border_color_top=”#74912d” border_width_right=”0px” border_width_bottom=”0px” border_color_bottom=”#ea8800″ border_width_left=”0px” global_colors_info=”{}”]The insurers will need to know:
- Health and safety of workers on the building site
- The extent of the building works being carried out
- The duration of the works
- Professional competence of contractors carrying out the works
- Whether the contractors are not adequately insured for the work they are carrying out. If you could be held liable for any damage or injury they cause
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- Awaiting probate
- Awaiting sale or occupation
- Undergoing or awaiting refurbishment or renovation
- Left vacant due to the owner being at a second property or abroad, hospitalised or taken in to care
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Get A Quote
Buy Landlords Unoccupied Cover Online
You can buy unoccupied property cover for landlords online through our underwriter, Abacus.
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Buy Online
You can also buy unoccupied home insurance online, through our underwriter Abacus.
Abacus can cover you for Fire, Lightning, Explosion or Earthquake. They also cover Subsidence and Landslip, Escape of Oil & Water. Abacus can cover you for Theft or Attempted Theft, as well as Accidental Damage.
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