Unoccupied Property Insurance

Protect your empty home or business premises with flexible unoccupied property insurance from The Yorkshire Broker.

Whether you’re renovating, waiting for tenants, going through probate, or selling a property, leaving it unoccupied can create risks that standard insurance won’t always cover. Many standard home, property owners, landlords or commercial policies only provide full protection for up to 30 days when a property is empty. Beyond this, you’ll need specialist cover.

That’s where unoccupied property insurance comes in, giving you peace of mind while your property isn’t in use.

What is Unoccupied Property Insurance?

Unoccupied property insurance provides cover for buildings that are left empty for an extended period of time. It’s designed to keep you protected against risks such as fire, theft, vandalism, water damage and storm damage, at a time when empty buildings are most vulnerable.

It’s suitable for:

Homes left vacant during probate or a house move
Rental properties between tenants
Holiday homes out of season
Properties undergoing renovation or refurbishment
Empty commercial buildings awaiting sale or tenants
And more

What Does Unoccupied Property Insurance Cover?

Cover can be flexible to meet your needs, with different levels of protection available.

Flexible Policy Lengths

This flexibility means you only pay for the cover you actually need.

We know you may not need long-term insurance for an empty property. That’s why flexible terms are available, including:

3-month policies

Ideal if you only expect the property to be empty short-term, for example between tenants.

6-month policies

A good choice for probate, longer renovations, or if you’re selling a property.

12-month policies

Best for properties that are likely to remain unoccupied for an extended period, or where certainty and long-term protection are important.

What Affects the Cost of Cover?

The cost of unoccupied property insurance depends on several factors:

Property type (house, flat, commercial building)

Location and local risk factors

Security measures (locks, alarms, CCTV)

Length of unoccupancy

Level of cover chosen (basic fire-only vs. comprehensive cover)

Value of the property and any contents

Tips to Reduce Risk (and Your Premium) & Potential Requirements

Visit the property regularly and keep records of inspections
Maintain heating at a low level in winter to prevent frozen pipes
Install approved locks, alarms, or CCTV
Keep gardens and exteriors maintained to avoid the appearance of abandonment

Protect Your Empty Property with The Yorkshire Broker

We’ll take the time to understand your situation and recommend the right level of cover, whether you need protection for just a few months or a longer-term policy.

Speak to one of our friendly advisers today and protect your empty property with confidence.

Call us on 01924 929070 to arrange your unoccupied property insurance today.