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 you can find 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.