Empty Property Insurance

Competitive Cover From Your Local Independent Insurance Brokers

Need affordable empty property insurance?  Let Trisure Insurance Services compare our markets to find you competitive, high-quality value cover.  Our friendly team of independent specialists can help you get the right unoccupied property cover at the right price.   To get your quote, call (01733) 777799 or start your empty property insurance quote today.

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What is Empty Property Insurance?

Empty property insurance, or unoccupied property insurance as its also known, is a specialist form of cover designed to protect buildings while standing empty.   Standard property insurance often won’t cover properties if they are left vacant for a period of time, which is why you’ll need this if you have an empty property.

What Types Of Empty Property Insurance Are There?

There are two main types of unoccupied cover:

  • Contents and buildings
  • Buildings only
Unoccupied Property

Which Empty Properties Insurance Can Trisure Insure?

Thanks to our being an independent insurance broker and having close relationships with several leading insurers, Trisure Insurance Services can offer competitive empty property insurance quotes for:

  • Empty rented accommodation 
  • Homes undergoing probate
  • Second homes
  • Holiday homes
  • Properties under construction
  • Properties undergoing renovation
  • Properties that are on the market and the owners have moved out

What Types Of Empty Property Insurance Are There?

If your property is left empty for a period of time – sometimes for as little as 30 consecutive days – then your standard cover may be reduced or even become invalid.  This is because when buildings are left empty, the risks from flood, fire, burglary, vandalism or storm damage rise. 

Many insurance brokers struggle to offer affordable empty property insurance quotes.  Thanks to our extensive network of insurer relationships, we can find you a flexible, competitively priced, unoccupied insurance quote that covers:

    • Storms 
    • Floods
    • Theft, attempted theft, or vandalism
    • Fire
    • Accidental damage
    • Oil and water leaks
    • Subsidence
    • Owner’s liability cover

One of the great advantages of cover through Trisure Insurance Services is its flexibility.  As soon as your property is occupied, you can cancel your policy, and you’ll only pay for the time that it was vacant.

 

Empty Property Insurance FAQ

Empty property insurance can be a headache, so to help you get the protection you need, here are a selection of frequently asked questions that should make things easier.  If you would like some personalised advice or an empty property insurance quote, please call us on (01733) 777799, and we’ll be happy to help.

We can find you policies that last for weeks, months, or even longer.
Yes, as soon as the building becomes occupied, you can cancel your policy, and we’ll arrange a refund on the remainder of the policy’s duration.
We can insure most types of unoccupied property. Whether it’s commercial or residential, rented or owned, we can offer you affordable, high-quality protection. If you’d like to discuss a specific property, please call Trisure Insurance Services on (01733) 777799, and we’ll be happy to help.
Yes, the most common ones being:
  • Most insurers will insist on regular visits being made to the building. These don’t have to be made by the owner, it just needs to be frequently inspected
  • Insurers will want you to remove any valuables from the building
  • Its condition. If it is not secure – e.g., with broken windows or missing doors – it’s unlikely you’ll find cover
  • If it’s vacant during the winter, insurers may ask that the heating be left on to reduce the risk of burst pipes. They may also agree to the system being drained
How much you pay will depend on:
  • The length of time it will be unoccupied
  • Its value
  • Where it is
  • Its condition
  • The level of security – burglar alarms, security lights, window locks, etc. will likely attract lower premiums as they represent a lower risk
  • If it is at risk from flooding
Usually, the following won’t be covered:
  • Loss or damage as a result of unforced entry, e.g., when windows or doors are left open
  • Damage caused by major works, e.g., by the building of extensions/ structural repairs
  • Damage caused by contractors

Get An Unoccupied Property Insurance Quote

If you’d like an affordable empty property insurance quote, then call Trisure Insurance Services on (01733) 777799 or click here to start your quote.  Our independent specialists will search our markets to find you the right policy at the right price to protect your empty building.

Get A Quote
Get A Quote