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Compare Unoccupied Home Insurance
Get a tailored quote from our friendly team today. Fast, personal, and unbeatable on price.
Trusted by Homeowners Across the UK
Thousands rely on our expertise in unoccupied property insurance to safeguard what matters most while life takes its course.
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Debbie Johnston
I needed insurance for an unoccupied property and reached out to Orwell Insurance. Daniel called me to go over the details and was able to cover the property at a very good price. I have been very pleased with the customer service Daniel has provided and will use again in the future and recommend to friends and family.
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Niven Macvicar
Spoke with Daniel who was able to get my insurance sorted out there and then on the phone rather than waiting for callbacks from others. The quote that he gave me was less than half the price than I was offered elsewhere. So said yes there and then. 100% will recommend and will use again.
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Diana Lewis
What a fantastic experience dealing with Daniel. It made such a change to call a number and for my call to be answered quickly and dealt with in such a professional, knowledgable and friendly way. I would thoroughly recommend this company. Their quote was competitive but it was the service that stood out for me. Will definitely be using Orwell for future insurance needs.
🥇 UNBEATABLE VALUE. GUARANTEED
Our Price Promise: Won’t be beaten on price for like-for-like cover.
We stand by the competitive quotes we provide. By operating exclusively off-panel, we can offer superior policies and exclusive pricing that comparison sites simply can’t match. Get a quote from us with complete confidence that you are getting the best cover at the best possible price.
Why Unoccupied Home Owners Trust Orwell Insurance
Unlike most insurers, Orwell combines personal service with speed. We understand that when a home is empty, every day uncovered is a risk — so we make sure you’re protected quickly and properly.
Water damage included with minimal turn-off clauses
Suitable for probate, renovations & solicitor-managed homes
Fast in-house underwriting & 1-hour paperwork turnaround
Flexible short or long-term cover options
Not listed on comparison sites (exclusive pricing)
Block sum insured up to £1 million
Speed and Service:
The Orwell Difference
Named after the dependable River Orwell, our family-run firm is built on heritage and honest advice. We know that when a property is empty, you need certainty, speed, and real expertise.
In-House Underwriters
Our internal experts make fast decisions, often resulting in 1-hour paperwork turnaround and instant cover being available.
Direct Communication
Talk to the person who handles your policy, not an anonymous call centre. We can deal directly with your solicitors or estate agents.
Designed Not to Fail
Our policies are structured for proper, comprehensive cover up to a £1 million block sum insured, ensuring you’re never underinsured.
Who Needs Unoccupied House Insurance?
If you expect your property to be unoccupied for more than a month, standard insurance typically excludes key perils like theft and accidental damage. You need vacant house insurance if your property is empty due to:
Probate
Managing a property following a bereavement.
Renovation
Your home is undergoing works while you live elsewhere.
Extended Trips
You're working abroad or taking a long-term holiday.
Solicitor Management
The property is being handled by a legal professional.
Pending Sale or Let
Waiting for new owners or tenants to move in.
Steps
How To Get Your Home Insurance.
Tailored, Focused, and Built For Home Owners.
Tell Us About Your Property
Start by giving us a few simple details about your property and how long it’ll be empty. Not on comparison sites — your request goes straight to our specialist team.
We Tailor Your Quote
Our in-house underwriters review your needs and prepare a custom policy — often within an hour. You’ll get clear options, competitive pricing, and flexible terms to suit your situation.
Approve & Get Covered
Once you’re happy, your policy can start immediately. We handle everything — fast paperwork, digital documents, and 24/7 claims assistance.
Tailored Cover for Complete Peace of Mind
We provide the financial security you need with policies tailored precisely to your situation—even if your property is considered non-standard.
Key Policy Features:
Flexible Terms
We offer short-term (e.g., one month) or long-term (up to twelve months) policies to meet your exact timeline.
Low Fixed Excess
We keep things simple and fair with a fixed, low excess of £250 on claims.
Non-Standard Properties Welcome
We accept homes often rejected by standard insurers, including those with flat roofs and timber construction.
Flexible Cancellation
A low £25 cancellation fee (waived if you renew or continue your policy with us).
24/7 Claims Assistance
Help is always available when you need it most.
💧 Critical Cover:
Water Damage Included
Many standard vacant policies include stringent, impractical clauses or outright exclude water damage—one of the biggest risks to an empty home.
We designed our policies to provide real protection. Your cover includes water damage with only a minimal water turn-off clause. Protecting you from burst pipes and leaks while the property is empty is a top priority.
What Your Policy Protects
Buildings
Contents
Liability
Major Perils
Peace of Mind, Shared by Our Clients
Real stories from real people who turned uncertainty into security with our unoccupied property cover.
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Mr K
I have used Orwell Insurance a couple of times now for our properties and they are brilliant. They respond quickly to any questions and I would recommend them to anyone. 5* Thank you Orwell’s .
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Amy North
Daniel was fantastic and such a great experience for a first time buyer. He explained everything brilliantly and made me feel supported through the process. Thank you Daniel.
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Adrian Daffern
Excellent service from Daniel who was friendly, efficient, clear and helpful. Very good price too!
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Allan Gillet
This company is excellent. Daniel, who helped me, is very professional, knowledgeable and extremely efficient. I had quotes from 5 companies and this was the most comprehensive and, the added benefit was that it was the cheapest. A family business well worth asking for a quote.
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Heather Samuel
Daniel was incredibly helpful! I’m in western Canada and needed to sort my home insurance while abroad. He went above and beyond and got it all sorted in no time at all. Highly recommend!
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Anushka Chakravarty
Marlon was really patient as I weighed up my options but also checked in regularly. He always responded to questions efficiently too. Early days but so far so good!
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Maureen Orchard
I had to arrange insurance cover for my Mum's bungalow which was for sale after she died. The house was empty so specific insurance was required. Orwell talked me through the available options. It was a very emotional time for me and the Orwell advisor was extremely patient and understanding whilst explaining the policy details. Excellent service.
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WN Naz
Amazing customer service, very prompt in replying to all my quires. I have delt with many insurance companies before and this has been one of the very best in my experience. Highly recommended and will be using them for my furture projects going forward.
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Ashley Holmes
Very satisfied with the value of my insurance cover, but the most pleasing part was the service! My advisor, Daniel, was knowledgable, diligent and patient to ensure I was provided with the best cover for my circumstances. I would highly recommended considering Orwell, when considering your household or landlord insurance.
Frequently Asked Questions
Everything You Need to Know About Orwell Insurance
Will unoccupied house insurance cost more than normal home insurance?
Yes, as empty homes carry higher risks like theft and water damage, but Orwell offers highly competitive pricing for proper cover.
How much is unoccupied home insurance?
It depends on cover level and duration — short-term and long-term options available. Request a quote for an exact price.
Does my home insurance cover my unoccupied home?
Typically no — theft and damage are often excluded after 30–60 days.
What’s the difference between a vacant and unoccupied property?
Vacant means completely empty; unoccupied means furnished but unused. The difference affects the level of cover you’ll need.
📞 Ready to Protect Your Empty Home?
Get a tailored quote from our friendly UK-based team today. Fast, personal, and unbeatable on price.
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