Home » Unoccupied Landlord Insurance

Unoccupied Landlord Insurance

Don’t Lose Out On Income With Unoccupied Rental Property Cover

Need unoccupied property insurance for landlords? Don’t want to leave your rental property unprotected while it’s empty? With specialist unoccupied landlord insurance you can get financial support if something happens to your property.

This specialist type of insurance protects you against financial loss when your rental property doesn’t have tenants. Expect the unexpected with our comprehensive cover and you won’t be left to pay the bill when disaster strikes.

REquest Quote

Who Needs Unoccupied Landlord Insurance?

The Kind Of Legendary Protection You Find In Fairytales …

Not sure if you need unoccupied landlord insurance? Unoccupied rental properties are at particular risk of certain events happening simply because they are vacant. You’ll need this specialist type of insurance if you have a student rental that is going to be empty over a long holiday break, if you’re refurbishing or redecorating without tenants in situ, or if you haven’t found your next tenants yet.

When there’s no one at home, there’s a higher chance that it could get broken into or issues could arise because there isn’t anyone there on a daily basis, such as burst pipes.

Why do you need Unoccupied Landlord Insurance?

Tailored Insurance Today Keeps Tomorrow’s Trolls At Bay…

From intruding squatters and lost rental income to vandalism and burst water pipes, our specialist, tailored insurance has you covered from every angle.

It’s important to get unoccupied landlord insurance if your property is currently or is going to be unoccupied for a significant period of time. That’s because your regular landlord insurance may not cover you, and might even be invalidated by your property being vacant.

This could mean a lot of stress and even more expense if things go wrong. Your insurance will step in to handle the costs of the events agreed on in your policy, so you can get back to renting out your property sooner rather than later.

Request Quote

Empty But Not Unloved

You can keep your unoccupied property safe from things like burst pipes, fires, leaks and break-ins by ensuring your heating is set to come on regularly in the winter, doors and windows have insurer-approved locks and your property appears lived in if possible to deter unwanted visitors.

Cover Period

Some landlord insurances will cover your property for a vacancy for a period of around 60 days, but after that, you will need appropriate insurance in place to stay protected. Specialist unoccupied insurance for landlords can cover you for up to a full 12 months, but we can get you covered for the exact amount of time you need!

What Does Unoccupied Landlord Insurance Cover You For?

Unoccupied Property Insurance For Landlords

Depending on the policy terms you decide on, your insurance can cover you for the essentials, giving you peace of mind even while your property is unoccupied between tenants.

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)
Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.
Accidental damage to buildings and/or contents
Accidents to domestic staff – your liability for bodily injury to your domestic staff
Public liability – your liability as a private individual and as owner or occupier of the home for the bodily injury or property damage done to another person or property while they’re in your home
Escape of water from and frost damage to fixed water tanks, heating installation, apparatus or pipes, up to a maximum of GBP5,000 for each and every loss
Contents, including the temporary removal of your contents to other premises, as well as loss of rent and temporary accommodation costs

What’s Not covered

The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)
Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories
Any property held or used for business purposes
Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you
Any risk where the losses are cyber-related, arising from either malicious acts (e.g. cyber-attack, infection of an IT System with malicious code) or nonmalicious acts (e.g. loss of data, accidental acts or omissions) involving either tangible or intangible assets
Damage caused by domestic pets
Infectious or contagious disease
Loss or damage to outdoor structures like pools, drives, gates, fences and hedges