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Unoccupied House Insurance

Get specialist unoccupied house insurance from us, whatever your circumstances. Our home insurance customers saved an average of 31% in 2021 when taking out a policy with us. See how much you could save by giving us a call.

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What is unoccupied home insurance?

Unoccupied home insurance is a special type of cover that protects your property when it is left empty for longer than your standard home insurance policy allows.

This type of cover protects your home against the increased risks associated with leaving your property unattended.

Table and chairs covered with plastic in an unoccupied home
Table and chairs covered with plastic in an unoccupied home

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When might I need vacant house insurance?

You’ll usually need specialist home insurance for an empty property if you’re leaving your property empty for 30 days or more as most standard home insurance policies will only cover a property if it’s unoccupied for less than 30 days.

Whatever your reason for vacating your house, we can cover you. Some of the most common reasons include:

Illustration of green house with for sale sign
Illustration of green house with for sale sign
Illustration of purple house

What does vacant property insurance cover?

As a specialist unoccupied property insurance broker, we work with a number of different insurance companies to cover your property. This means that we can cover a wide range of things depending on your needs, including:

  • Damage caused by attempted break-ins
  • Stolen property
  • Fire damage
  • Storm damage
  • Leak or flood damage
  • Vandalism damage
Illustration of purple house

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Can I get short-term unoccupied house insurance?

Yes, we offer flexible cover for 3 months, 6 months or annual policies if you’ll be away for a while. Just let us know when you’ll be vacating the property and when you’ll be back and we can arrange short-term cover.

Quote from unoccupied house insurance customer with Adrian Flux
Furniture in an unoccupied property wrapped in bubble wrap
Quote from unoccupied house insurance customer with Adrian Flux

How much is empty property insurance?

The cost of your vacant home insurance will vary depending on a number of factors, but rest assured that as a specialist insurance broker, we’re often able to find affordable insurance deals where others cannot. Factors include:

  • How long you’ll be gone
  • The type of cover you take out
  • The value of your property
  • Your property’s location
  • Your home’s security
Quote from unoccupied house insurance customer with Adrian Flux
Unoccupied home pictured with protective sheet on furniture and boxes in background
Quote from unoccupied house insurance customer with Adrian Flux

Get a Unoccupied House Insurance Quote

Why choose unoccupied home insurance with Adrian Flux?

Our policies can be tailored to your needs and budget. Cover can include:

  • Portfolio insurance (i.e. unoccupied property cover for several houses)
  • Legal cover of up to £50,000 for just £14.99 extra a year
  • Counselling support available
  • Discounts for extra security features such as alarms and security locks
  • Discounts for combined buildings and content cover
  • Different levels of cover to suit your individual circumstances
  • Policy length can vary depending on your needs
Unoccupied property pictured with protective sheet on sofa and boxes in background
Unoccupied property pictured with protective sheet on sofa and boxes in background

FAQs

Yes, you should let your insurance provider know if your property will remain unoccupied for 30 days or longer. It’s a good idea to check your policy to see if your standard home insurance policy will cover you – if not, it’s a good idea to consider specialist unoccupied homeowners insurance.

Yes, we can provide you with landlord insurance for your unoccupied property, whether you’ve only just recently purchased a buy-to-let property or you’re in between tenants. We can even offer unoccupied rental cover for a portfolio of houses that are currently vacant – phone us to find out more.

Get a Unoccupied House Insurance Quote