What is unoccupied property insurance?
We define unoccupied property insurance as a landlords insurance policy meeting the demands and needs of a person who owns a residential property in which no one lives at the moment and for which there is no immediate prospect of being let.
The insurance quotation may depend on the reason why a property is unoccupied:
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Awaiting a tenant
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Being refurbished
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Awaiting sale
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As executors of an estate
Policies normally offer the options of covering:-
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The buildings
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The contents
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Property owners liability
Please note that when a property is unoccupied, it is not normal to obtain full cover - you may be restricted to Fire. lightning, explosion and earthquake. You should also note that it will be a requirement that the property is regularly inspected and that the central heating either drained or constantly on (to avoid bursts). Our landlords insurance provides online quotes for all forms of unoccupied property insurance. As we offer several contracts we will send you full details with our key facts document.
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