Unoccupied home insurance covers properties left empty for more than 30 days.
We don’t compare specialist unoccupied home insurance policies, but standard home insurance may provide cover if your home is unoccupied for a short period.
Unoccupied home insurance usually covers your home against damage from:
This could be useful if you have to start legal proceedings to evict squatters.
This covers you if a tree branch falls from your property and damages a car in the street below, for example.
Policies vary between providers - read the details carefully to make sure you’re getting the cover you need.
Home insurance policies tend to exclude cover for:
If the windows or doors aren't secure, any theft or damage claims might be turned down.
For example, if your roof leaks because it hasn’t been maintained properly, causing water damage.
They should have their own insurance to cover this.
Unless you’ve told your insurer building work is happening and they’re happy to cover it.
The average cost of home insurance for an unoccupied property is:
| Length of time property will be unoccupied | Average annual cost of home insurance* |
|---|---|
|
Up to 30 days
|
£162 |
| 30-60 days | £184 |
| 60+ days | £240 |
The cost of home insurance for unoccupied properties depends on the following factors:
*Confused.com data Jan 2023 - June 2023 for buildings and contents insurance.
"It’s important to be as accurate as you can when getting a quote for unoccupied home insurance. The length of time the property will be unoccupied for can affect your costs, as does the date the property will be occupied from.
If you’re unsure about any of this, don’t guess. Your quote won’t be accurate and you may not have the cover you need for your unoccupied home. Instead, you may need to get quotes from providers who can offer dedicated unoccupied house insurance."
Contents insurance sometimes covers items in storage, but only for a certain amount of time. Find out how to get contents insurance for storage units.
Having a claim rejected could leave you out of pocket when you need your insurance the most. We take a look at common pitfalls to avoid.
Need to make a home insurance claim? Checking what's detailed in your policy can help you prepare if you need to make a claim. Here's what you need to know.
Fancy a spot of DIY? Here's what you should tell your insurer about beforehand.
If you're looking to protect your belongings when you leave your house, personal possessions cover could come in handy. Here's what you need to know.
Your office equipment might already be covered by your home insurance. But what else should you be thinking about covering if you work from home?
cookie usage
We use cookies, some of which are essential to make our website work. For us to use our non-essential cookies, we need your consent. You can consent by accepting all or alternatively, manage your cookies at any time. For more information, read our cookie policy.
