Unoccupied residential policies typically include both building and property owners’ liability cover. If you only require liability—or want to increase your limit—discuss tailored options with your broker. Or reach out to our team here at Property Insurance Centre.

Potentially. Some policies may exclude or limit water escape/escape of water claims while the property is empty. Always check the policy exclusions and follow claim notification rules closely.

Yes. If a tenant leaves or you intend to leave the property vacant, contact your insurer immediately. This ensures your coverage transitions smoothly to the unoccupied status, preventing policy gaps.

Typical perils include: fire, water escape, storm damage, theft, vandalism, and liability. Coverage details can vary, so it’s important to confirm what's included in your policy wording.

You must inform your insurer of the property’s occupancy status—even temporary shifts—so the correct premium and risk assessment can apply. Some insurers may then waive extra charges or adjust terms accordingly.

Yes—most unoccupied policies require compliance with specific conditions, such as: Installing adequate security (locks, alarms), Regular inspections or servicing, Restrictions on certain risks (e.g. escape of water) during vacancy.

Absolutely. The standard cover usually starts at £2 million, with options to raise it up to £5 million, should your circumstances warrant additional protection.

Yes. Even when a property is unoccupied, you’re still covered for Property Owners’ Liability insurance, as part of most unoccupied residential policies

Standard home insurance typically excludes properties left empty for over 30 days. A dedicated unoccupied policy bridges this gap, ensuring building and liability cover remains in force.

You can insure an unoccupied residential property for short-term periods of three, six, or nine months, depending on your needs.