Unoccupied Property Insurance

Trying to find insurance for a property that is unoccupied can be difficult with the number of providers in the market offering different terms, conditions, and exclusions so we have built a straightforward and simple solution for you.

When is a property deemed ‘unoccupied’?

There can be several reasons why a property is unoccupied, whether it’s due to renovations being undertaken, estate administration or extended time abroad. We can offer a policy that can suit your requirements.

Working with our insurer partners we make the process of sourcing unoccupied property insurance simple, quick and affordable, whilst providing cover that emulates a traditional household policy without the need for weekly visitations.

Perfect for Solicitors and their Clients

This product has been built with Solicitors and their clients in mind. Using our experience within the property market we understand the four main pain points for Solicitors when sourcing specialist unoccupied property insurance:

Restricted levels of cover

Long and arduous quotations process

Mandatory visitation/inspections

Lack of funds on the estate

Our product offers full perils cover with no mandatory visitations or inspection requirements to give you peace of mind that the property you are responsible for is fully protected if the worst was to happen.

We offer this service on a flat fee basis so you will know the costs upfront with a simple four question application via email.


  • For properties with a rebuild value of £500k or less there is just a flat cost of £65 inc. per month
  • Properties with a rebuild of between £500,001 and £750k the monthly premium will increase accordingly.
  • Properties with a rebuild over £750k or have a non-standard element (Listed, non-standard construction etc.) we will require further information to source cover.
  • Six simple questions via email or over the phone to incept cover.
  • No fixed period of cover and pro-rata charge, so you are only paying for the number of months you are on cover for.
  • Full perils covered (see cover section for more information)
  • No mandatory visitations
  • No mandatory heating conditions


  • Malicious Damage
  • Accidental Damage
  • Escape of Water
  • Fire, Lightning, Explosion, Earthquake and Explosion
  • Flood & Storm
  • Subsidence

Get in touch

If you want to discuss your unoccupied property insurance with one of our expert team, please call us on 01242 898387 or fill in our simple enquiry form.

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