What is unoccupied house insurance?

Unoccupied house insurance is specialist cover for a house that is not being lived in (or not regularly occupied). Insurers often view vacant houses as higher risk because issues like escape of water, fire, theft/vandalism, and storm damage can go unnoticed for longer.

Typical cover areas (subject to terms)

• Buildings (e.g., fire, storm, flood, escape of water, malicious damage, depending on insurer terms)
• Property owners’ liability (injury to third parties, e.g., visitors or contractors)
• Contents (sometimes limited or excluded in unoccupied houses)

Common insurer requirements for an unoccupied house

Requirements vary by insurer and property, but common conditions include:

• Regular inspections (e.g., weekly/fortnightly) and a simple log/photos kept
• Secure locks on doors/windows; the property visibly maintained
• Water risk controls (stopcock accessible; drain-down or minimum heating in colder periods, where required)
• Alarm/CCTV/lighting where fitted (and used in line with the policy terms)
• Any building works declared in advance (especially structural work, roofing, rewiring, “hot works”)

Ways to reduce risk and keep premiums sensible

• Document inspections and address minor leaks/damage early
• Minimise escape-of-water risk (turn off water, drain down if needed, or maintain heat per insurer conditions)
• Improve security (quality locks, timers for lights, visible upkeep)
• Be clear on the plan: sale timeline, renovation schedule, or expected re-occupation date

We’ll explain the exact conditions attached to your quote so you can choose cover you can realistically comply with.