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Unoccupied property insurance from Alternative Insurance is suitable for properties that will be vacant for 30 days or more. Our cover is flexible, allowing you to choose a policy period that works for you—whether that’s 3, 6, 9, or 12 months. This means you only pay for the cover you need, avoiding unnecessary costs.
If your main home will be unoccupied for more than 60 days, just let us know, and we’ll ensure your cover stays intact. If your property becomes permanently unoccupied, we offer specialist cover to protect your vacant property. When insuring an empty home, it’s important to keep in mind that the risks are higher due to potential issues like squatters, vandalism, or fire. Therefore, it may cost more than standard building insurance.
At Alternative Insurance, we offer good value insurance with a wide range of cover options. While some insurers might seem cheaper, they may offer lower levels of cover, which can leave your property exposed to risk.
Get your unoccupied home covered instantly with a simple phone call.
Access competitive pricing and comprehensive cover options with a broad selection of insurers.
Our experts will help find the best policy for your home.
Choose payment terms that suit your financial situation, with flexible options available.
We often provide extensive cover, even for homes undergoing renovations or refurbishments, where many other insurers may fall short.
Tailor your policy to the period your property will remain unoccupied.
Ensure you’re protected with comprehensive liability cover for your unoccupied property.
We cover unoccupied homes that are also undergoing renovations or refurbishment.
To minimise the risks to an unoccupied property, ensure that it is securely locked and that all windows, doors, and gates are properly sealed. It’s also a good idea to install a monitored alarm system and make regular inspections of the property to check for any signs of damage or intrusion. In some cases, you may be asked to drain the water system to prevent burst pipes or other issues.
When you’re having works done on your unoccupied property, it’s important to inform your insurer of the details of the renovation or refurbishment. This includes the scope of the work, the contractors involved, and any potential risks, such as structural changes. Certain types of work, like major building projects or electrical rewiring, may require additional cover or adjustments to your policy. Make sure to discuss this with your insurer to ensure you’re fully protected during the renovation process.
We are committed to providing personalised insurance solutions.
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