Unoccupied Property insurance

Reasons for needing unoccupied property insurance

There are several reasons why unoccupied property insurance may be required. Below are some of the most common.

• The previous owner may have died and the unoccupied property is now up for sale so that the proceeds are added to the estate. It is the responsibility of the executors to ensure that there is insurance on the empty house in place.

• The unoccupied property may have just been purchased and insurance is needed. The new landlord who has not yet found a tenant for the house and is empty. In this case the property may become occupied after a few weeks - or remain vacant for a longer period. There is a need for insurance until the new tenant moves in

• The property may be just unoccupied between tenancies. When the current insurance expires and the insurer may not wish to insure the unoccupied building.

• The unoccupied property may need insurance pending renovation before becoming suitable for a tenant. The insurers may need details of the type of renovation and the estimated period before quoting.

• The unoccupied property may have been purchased with the intent that the owner will move in at a future date but insurance needed now during the period, usually after repairs have been done, or the owner has sold their old home.

• The previous owner may have been taken into care and the property has to be sold to pay ongoing care costs.

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

As brokers we specialise in the property insurance market and thus have no difficulties in arranging insurance cover for unoccupied property.

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.