Unoccupied Property Insurance

Name: Jensten Insurance Brokers
Brand: Jensten Insurance Brokers
Rating: 4.7 (781 reviews)

Find out about the insurance options for your unoccupied property with Jensten Insurance Brokers specialist Property Insurance team.

What is Unoccupied Property Insurance?

Unoccupied Property Insurance, also known as vacant property or empty home insurance, is designed to provide cover for properties that are vacant or unoccupied for an extended period.

These properties may be residential or commercial and can be considered higher risk by insurers because they can be more susceptible to things like vandalism and theft when left empty.

Unoccupied Property Insurance helps to protect property owners from financial losses resulting from damage or liability issues that may occur during the empty period.

Need Unoccupied Property Insurance?

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What does Unoccupied Property Insurance cover?

There are a few different types of Unoccupied Premises Insurance that Jensten Insurance Brokers can arrange through our insurer partners. Whichever you choose, as soon as the building becomes occupied, you can cancel your policy, and you’ll only pay for the time that it was empty.

Buildings Insurance

This can cover the physical structure of the property, protecting against risks such as accidental damage, fire, storms, flooding, vandalism, and malicious acts.

Contents Cover

This cover is designed to protect items you own or provide to tenants in the property, ensuring that any loss or damage to valuable assets is compensated.

Liability Insurance

Can protect individuals and businesses against financial loss in the event that they are found legally responsibility for causing harm to another person or their property.

Property Legal Expenses Insurance

This can cover the cost of legal fees incurred in disputes with tenants, neighbouring property owners, or other third parties. It can include expenses for eviction proceedings, property disputes, or defending against liability claims.

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Tailored insurance to the needs of your business

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Do I Need Unoccupied Property Insurance?

Whether you’re a homeowner with an empty home or a landlord with a vacant property, unoccupied property insurance is crucial if your property is left unoccupied for a period longer than your standard policy allows.

Typically, standard home insurance policies only cover properties that are lived in, meaning that if a property is vacant for an extended period, usually 30 days or more, the policy may no longer be valid.

Here are some situations where unoccupied property cover can help to protect you:

Empty homes between moves

If you’re selling or renting your property and it’s empty, you might want to insure your empty home to cover you against issues like fire, vandalism, or storm damage.

Renovation projects

If you’re renovating your home or property and it’s not being lived in, you’ll likely need home insurance for unoccupied homes. Construction works can increase the risk of accidents, and having the right cover can provide peace of mind.

Landlords with vacant tenancies

For commercial landlords or property owners who have vacant premises between tenants, vacant property insurance ensures you’re protected while there are no tenants. Without it, you may be left without coverage for risks like break-ins or weather damage.

Properties left empty for extended periods

Whether you’re traveling or temporarily moving elsewhere, leaving a property unoccupied for an extended time, such as a second home or a holiday property, can leave it vulnerable. Unoccupied property insurance can fill the gap left by regular home insurance and ensures you maintain cover.

If unoccupied property insurance isn’t quite right for you, learn more about our other property insurance here:

Unoccupied Property Insurance with Jensten Insurance Brokers

At Jensten Insurance Brokers, we help homeowners, landlords and property companies find an unoccupied property insurance policy that includes cover for:

Storm damage – Even minor storms can cause broken windows, roof damage, and other issues that escalate quickly in an empty property.
Escape of water – A burst pipe in an unoccupied property can go unnoticed for longer, causing devastating water damage.
Theft – An empty property is a prime target for burglars. This is one of the key reasons insurers require empty property insurance to protect against loss or damage.
Fire – A fire in a vacant property can often go undetected until it’s too late. Without insurance, you may be left with significant damage or even total loss.
Vandalism – Vacant properties are frequently targeted by vandals.
Accidental damage – Accidents happen, especially when a property is left unattended. Unoccupied property insurance can cover you for unexpected incidents, even when you’re not there to manage the situation.
Subsidence – The shifting of the ground beneath your property can lead to structural damage. Unoccupied property insurance can cover these costly repairs.
Owner’s liability – Even if you’re not living in the property, you still have a legal responsibility for it. If the property causes injury or damage to someone or something, owner’s liability insurance can help toward the cost of claims made against you.

Choosing the right cover is essential to ensure your empty property is protected. Contact Jensten Insurance Brokers to discuss your options and find the best solution for your needs.

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need Unoccupied Property Insurance?

For comprehensive Unoccupied Property Insurance

Unoccupied Property Insurance

Unoccupied Property Insurance can be a complex area of cover, so to help you get the protection you need, here are the answers to some frequently asked questions:

Yes, but standard home insurance policies typically do not cover unoccupied properties after a certain period (usually 30 days). After this time, the insurer might exclude coverage or charge a higher premium due to the increased risk associated with an empty property.

For an unoccupied property, you may need to purchase a specialist unoccupied property insurance policy.

An unoccupied property is generally defined as a property that has been empty for a certain period of time. This is typically 30 days or more, depending on the insurer.

Insurance companies may treat a property as unoccupied if:

No one has been living there for a set period (often 30 days).
The property is not being actively used for any purpose, such as work or maintenance.
The property may be undergoing renovations or is waiting to be sold or rented out.

If your house is unoccupied for more than the time frame allowed by your regular home insurance policy (e.g. 30 days), your standard insurance might become invalid.

If you’re planning to leave your house empty for an extended period it’s crucial to:

Notify your broker and insurer that the property will be unoccupied
Review and update your policy to cover unoccupied properties
Take precautions like installing a burglar alarm, maintaining utilities, and making sure the house appears lived in to reduce risk.

Industries

Expertise And Insurance

Unoccupied Property Insurance

Find out about the insurance options for your unoccupied property with Jensten Insurance Brokers specialist Property Insurance team.

What is Unoccupied Property Insurance?

Need Unoccupied Property Insurance?

For comprehensive Unoccupied Property Insurance

What does Unoccupied Property Insurance cover?

Buildings Insurance

Contents Cover

Liability Insurance

Property Legal Expenses Insurance

Why use Jensten

Dedicated

A team of brokers who can advise on your property insurance needs

Trusted

We are the trusted broker to Property Professionals.

Flexibility

Tailored insurance to the needs of your business

Talk to the experts

Online

Phone

FAQs

What our clients say...

Do I Need Unoccupied Property Insurance?

Unoccupied Property Insurance with Jensten Insurance Brokers

Need Unoccupied Property Insurance?

For comprehensive Unoccupied Property Insurance

Unoccupied Property Insurance

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