Compare short-term unoccupied house insurance

Protect your house and contents when leaving your home unoccupied for short periods.

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How to get a home insurance quote

1

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Get personalised quotes in minutes by providing a few home details.


2

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Simply choose the policy that best suits your property by exploring our best deals.

3

Apply and Insure

Once you have selected your chosen policy, apply and start protecting your property.

What is short-term home insurance?

Short-term home insurance – also known as short-term unoccupied house insurance – covers your home if you leave it empty for more than 30 days, which is the usual limit of a standard home insurance policy. 

An empty home is at greater risk of vandalism, wear and tear, fires and break-ins, so it’s essential to get short-term home insurance if you want to make sure you’re financially covered if something goes wrong while your property is empty.

You might need short-term home insurance if:

  • you’re going on a long trip

  • you’re moving out while your home’s being renovated

  • you’re moving house but haven’t yet sold your home

  • you’ve bought a new house but can’t move into it yet

  • you have a rental property that currently has no tenants

  • you’ve just inherited a property

Short-term house insurance is typically more expensive than standard home insurance because if something goes wrong in an unoccupied property – like a fire or burst pipe – there won’t be anyone there to sort it out quickly.

What is covered by short-term house insurance?

Short-term house insurance generally covers you against damage and losses caused by:

  • fire and smoke

  • storm and flood

  • impacts

  • water or oil 

  • theft, attempted theft and vandalism

What additional unoccupied house cover can I get?

As part of your short-term unoccupied house insurance policy, you could get the following cover.

Building cover

Covers the cost of repairing or rebuilding your property if it’s damaged. It may also cover the cost of repairing and/or rebuilding fixtures or outbuildings.

Contents cover

Covers the cost of repairing or replacing lost or damaged belongings kept in the property. You’ll be given a set amount that you can claim for, but you can pay extra to increase this figure.

Property owner’s liability cover

Covers third-party claims for injury, damage or loss, to people or their property, caused by your home.

Covers you for legal expenses incurred in the process of managing your home. For example, it could cover the cost of evicting a tenant.

It’s important to remember that every temporary home insurance policy is different. You’ll need to check yours carefully to see exactly what you’re covered for, how much cover you have, as well as what you’re not covered for.

What do I need to tell my insurer to get temporary home insurance?

You’ll need to tell your insurer the length of time the property will be unoccupied, as well as offering them an appraisal of the condition of the property, such as any existing damage to windows, doors or the roof.

If you do not tell the truth about the property when you apply it may invalidate your policy, meaning you won’t be able to claim later.

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What do I need to do to my property to keep it safe? 

Your insurer may request that you do some of the following before it offers you short-term unoccupied house insurance:

  • 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’re looking to insure a property that you’re renovating, check you can get cover before you start.

Find specialist renovation insurance here

Which is the best short-term house insurance policy?

To find the best short-term house insurance policy, you’ll need to think about the following:

  • What building cover you need: make sure you get enough insurance to cover the rebuild value of your property if the worst happens

  • What contents cover you need: if you keep contents in the property, calculate its replacement value in case your items are damaged or stolen

  • The length of cover you need: policies usually allow you to choose between three, six, nine, or 12 months of cover.

Shop around to find the best short-term house insurance policy for your unoccupied home. Use our broker form to compare quotes from each insurer in this comparison.

Here’s more information on unoccupied home insurance

Can I get cheap short-term home insurance?

Price shouldn’t be your top priority. You should always aim to find the cover that best suits your needs. Once you know the level cover you want, compare policies and shop around to find the policy that offers what you need at the best price.

How can I make my short-term home insurance cheaper?

There are a few other things you can do to cut the cost of your short-term home insurance. These include:

  • removing valuable contents from the property before you apply

  • securing the property with an alarm or extra locks

  • joining a Neighbourhood Watch scheme to let thieves know that your neighbours are watching over your home

  • raising the excess on your policy, making sure you can afford the excess if you need to claim

Short-term unoccupied house insurance FAQs

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Last updated: 7 May 2022