Unoccupied Property insurance

Limitations of Cover

Unlike normal house insurance, the perils (or risks) covered under unoccupied property insurance are limited in various ways.

Some cover is not available for obvious reasons.

• There will be no cover for objects in the garden or temporarily removed from the premises - for obvious reasons the risk of loss is too great.

• All risks cover will not be available - again such items should be insured under the house insurance of the person who owns the property.

Some cover may be available, depending on circumstances.

• Insurance on the unoccupied property may be restricted to 'Fire Lightning, Explosions and Aircraft' - FLEA cover

• Check to see if the insurance coverage for the 'wet perils' is included. These include damage to the property by storm, tempest, escape of water.

• Check if insurance covers malicious damage to the property.

• If the property is furnished e.g. the previous owner has died or it is waiting to be let furnished then ensure that the policy extends to cover theft. (This will be 'by forcible and violent entry or exit from the building' - deception is never covered but, since no one is present on the premises, loss caused by simply leaving a door or window open is not going to be covered. There doesn't have to be much force or violence e.g. breaking a glass panel on the door to get the door open or forcibly removing patio doors, even if they are not damaged or replaced by the thief would count.)

• Some insurance companies offer a range of options so that a wider range of perils may be covered. Our insurance quotation system provides these quotes with summaries of cover.

• As there are many different insurance policies, it is worthwhile checking if the insurance can extend cover. For example: some insurance companies will provide full cover if the property is viewed on a regular basis and good security is in place.

• Effective risk management can help overcome some limitations in cover by ensuring that the event that aren't covered are more unlikely to happen.

B Portwood & Co Ltd are an insurance broker specialising in the property insurance market and as such have researched various insurance schemes that are suitable for insuring unoccupied property. We have recently launched our own policy that is more flexible than others in that we can cover the property no matter the reason why it is up for sale, can include property being renovated and, since the same policy wording is used, simply convert the cover to a landlord insurance policy or property owners policy depending on whether the property is to be let out or the new owner move in. So if you have difficulties arranging cover why not contact us?

Unoccupied property Insurance quick quote Info Policy Wording Key facts Postcode Sum Insured - Buildings £ Sum Insured - Contents £ Accidental Damage Cover Not required Buildings Only Contents Both Tenants (or unoccupied) Unoccupied - Limited Cover Structural Renovations Unoccupied - Full Cover Non Structural Renovations Construction of Buildings <25% flat roof 25-50% flat roof 50%-75% flat roof >75% flat roof No claims Bonus None One Two Three + Excess required £75.00 (Default) £150.00 (save 10%) £250.00 (save 20%) Social Media Discount? Yes No Legal Expenses/ Rent Guarantee No Yes Insurance Premium Buy Online - immediate cover

We can also quote for unoccupied property insurance as well as residential let insurance. Immediate cover is available online for unoccupied property insurance.

Compare Landlords Insurance

You can compare landlord insurance quotes on our home page. Landlord insurance covers  property let to residents of different types. Options include accidental damage to buildings and contents as well as voluntary excesses.

B. Portwood & Co also offer cover on other types of property insurance: e.g. landlords buildings insurance

Please call us on 0844 8262616 for further assistance if needed.