It is an insurance policy that covers your home if you leave it empty for more than 30 days.

Which is the best policy?

To find the best short term unoccupied house insurance policy, think about:

  • The buildings cover you need: Make sure you get enough insurance to cover the rebuild value of your property.

  • The contents cover you need: If you keep contents in the property, work out the replacement value of everything in case they get damaged or stolen.

  • The length of cover you need: Choose a policy that can cover you for the term you need. Most policies let you choose between 3, 6, 9 or 12 months cover.

You can cut the cost of your insurance if you remove any valuable contents from the property before you apply.

To find the best short term unoccupied policy, use our broker form to compare quotes from each insurer in this comparison.

What do you need to tell your insurer?

When you take out a policy, you need to tell your insurer:

  • How long the property will be unoccupied for

  • The condition of the property, e.g. damage to windows, doors or roof

If you do not tell the truth about the property when you apply, it may invalidate your policy meaning you will not be able to claim when you really need to.

Your insurer may also request that you do some of the following:

  • Visit the property regularly

  • Keep the heating on a timer to avoid pipes freezing or bursting

  • Turn off the mains water supply and electricity

If you are renovating the unoccupied property, check you can get cover with the insurers in this comparison before you start.

Short term unoccupied house insurance FAQs

Q

Why should I get short term unoccupied house insurance?

A

It could save you thousands if you need to make a claim. Here is more on unoccupied home insurance.

Q

Will standard home insurance cover my empty property?

A

No, most policies only cover empty properties for 30 or 60 days. Use this comparison to find a policy that can protect your unoccupied property.

Q

Does unoccupied home insurance cost more than standard cover?

A

It can, because there is usually a higher risk of theft or damage to an empty property. Here are eight ways you can save on your home insurance.

Q

Do I have to visit the property regularly?

A

Yes, most policies expect you to visit your empty property every seven days, or insist that any damage must be reported within seven days of it occurring.

Q

Can I insure my empty property if it is for sale?

A

Yes, and you should think about how long it might take to sell your home and get a short term policy if necessary.

Q

Am I covered for water damage if my property is empty?

A

Some policies exclude this because it can cause a lot of damage if not dealt with straight away. Check the policy carefully to make sure this is included.

Q

Do I have to turn off my water, gas and electricity?

A

Yes, most policies will only cover you if these are switched off unless it is for central heating to prevent frozen pipes during the winter.

About our home insurance comparison

Q

Who do we include in this comparison?

A

We include short term unoccupied home insurance available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.