LANDLORD INSURANCE
Our specialist landlord insurance can help protect your residential rental property.
When a property you own is unoccupied, there can be a higher level of risk. Even a minor problem can escalate into something more serious while the premises are unattended. This may lead to much higher repair bills.
There are many reasons why a property can be unoccupied. A gap between tenancies or a refurbishment project, for example. Probate or a delay in selling the property can also leave the premises vacant. A standard home insurance or landlord insurance policy may provide insufficient cover in these circumstances.
Unoccupied property insurance can cover risks such as theft, vandalism, and malicious damage when your property is unoccupied. It can also include cover when fires, storms, water, and snow cause damage to your vacant property.
Our specialist team can help you tailor your unoccupied property insurance policy to your requirements. This can include:
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
Terraced and end terrace houses | Semi-detached |
Detached houses | Bungalows |
Maisonettes | Flats |
HMOs | Shared accommodation |
Student accommodation |
The following policy benefits can be included with your cover:
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
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*Correct as at September 2024.
No, unoccupied property insurance is not required by law. While the premises are unchecked, damage can go unnoticed, becoming more severe, and making repair or replacement more expensive.
This is dependent on the reason why the property is empty and what the intentions are to make the risk habitable in the future. Contact our specialist team on 0800 294 4522 if you are unsure.
Many standard home insurance policies stipulate that the property must not be left unattended for a stated period. Policies vary, but this period is often anything more than 30 days. Therefore, you risk having cover which is restricted or potentially uninsured.