It covers your property against damage and burglary when it is empty. You may leave your property vacant if:

  • You are renovating your property, but not living in it

  • You are a landlord and between tenants

  • You are selling your property but have already moved into a new home

Do you need it?

Most standard home insurance policies only cover an empty property for 30 or 60 days, depending on the insurer.

If you own a property that will be empty for a long period of time, use this comparison to find unoccupied home insurance quotes.

Why cover your empty property?

Your empty home is more at risk of:

  • Theft and vandalism, because thieves and vandals target properties they know are unoccupied. Make sure any contents you keep in the property are covered against theft, and your building is covered against damage caused by vandalism.

  • Extensive fire, flood or storm damage, because there will be nobody at the property to limit the damage or get help. Some policies exclude water damage so check the policy before you buy.

  • Squatter damage, because it can go unnoticed if someone breaks in and stays in the property. You can also get legal cover to help have squatters removed.

If your property is being renovated, you may need extra cover. This comparison shows which insurers cover renovations, or you can compare home renovation insurance here.

How long do you need cover for?

It depends on how long your property will be empty. You can usually choose a policy term of either:

  • Three months

  • Six months

  • Nine months

  • A year

Avoid paying for cover you do not need by choosing a policy length that best matches how long your property will be empty for.

Unoccupied home insurance FAQs

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 you can, 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 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.