Compare Unoccupied Property Insurance

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Compare Unoccupied Property Insurance

These policies aren’t built around the standard year-long package but are often for three-month periods with options to extend the policy where necessary. If your house takes longer to sell than intended, or if some other complication arises, you can extend the policy to remain protected. Much like standard home insurance, unoccupied property insurance is essential.

Necessary Requirements

Of course, the property itself must be secured before it can be insured, and it should also be in a good state of repair; the terms of your policy may also require you to remove all valuables and, if the policy is for the winter months, drain the water system and put the heating on its ‘frost’ setting to protect burst pipes.

Regular inspections may also be called for, and while they’re not often specified, the risk of burglary can be reduced by installing timers on light switches and offering a neighbour the use of your driveway for a second car.

Policy Choice

While these precautions are reasonable – and some may be required by policy – when choosing the policy itself, it’s essential to read through all options carefully, making sure that the policy you choose covers everything you need it to cover at a premium you’re comfortable paying. Choosing the right policy is always unique to your situation and should be done with great care.

What other aspects need to be considered with unoccupied property insurance?

When considering unoccupied property insurance, several other aspects need to be taken into account:

Policy Coverage:

It’s crucial to review the coverage offered by the insurance policy. Different policies may have varying levels of protection for risks such as fire, theft, vandalism, natural disasters, and liability. Ensure the policy covers the specific risks relevant to your property and its location.

Vacancy Period:

Insurance providers often have restrictions on the maximum duration of the property being unoccupied. Be aware of these time limits and ensure the policy aligns with when your property is expected to be vacant. If the property remains unoccupied for longer than the allowed period, you may need to arrange for alternative insurance coverage.

Security Measures:

Insurance policies for unoccupied properties may require specific security measures to be in place. These include installing burglar alarms, security cameras, and robust locks on doors and windows. Compliance with these requirements is essential to ensure the policy remains valid. Ensure to meet the security standards to avoid a claim being denied.

Regular Inspections:

Many insurance policies for unoccupied properties stipulate that regular inspections must be conducted. These inspections help identify any potential issues or damage promptly. Insurers may specify the frequency of inspections, such as monthly or quarterly visits, to ensure the property is adequately maintained.

Maintenance and Repairs: 

Keeping the property in good condition during the vacancy period is essential. Failure to address maintenance issues promptly, such as roof leaks or plumbing problems, may lead to claim denials if the insurer determines that negligence contributed to the damage.

Liability Coverage:

Liability coverage protects against claims made by third parties for injuries or damage on the vacant property. Ensure the policy provides adequate liability coverage to protect you from potential legal and financial liabilities.

Notification Requirements:

Most insurance policies require prompt notification of any changes in the property’s occupancy status. It’s essential to inform the insurer when the property becomes vacant and to provide updates on any changes in circumstances, such as a change in tenants or plans to sell the property.

Policy Exclusions:

Carefully review the policy exclusions to understand what is not covered. Standard exclusions may include intentional damage, wear and tear, acts of war or terrorism, and damage caused by certain natural disasters. Understanding these exclusions will help you manage your expectations and consider additional coverage.


In conclusion, it’s advisable to consult with an insurance professional or broker specialising in unoccupied property insurance to ensure you understand the specific requirements and obtain appropriate coverage for your property.

Please note: This Insurance comparison tool is provided for your use by SEOPA. is not responsible for the contents of the comparison you receive.

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