13/03/2026
Having an empty property, whether it’s between tenants, during renovations or while you’re away, can increase the risk of damage or break‑ins.
Simple steps like keeping the heating on low, making the home look lived‑in with timer lights and curtains, and stopping post piling up all help reduce the risk. Having someone you trust pop in regularly can also catch problems early, should anything occur while no one's home.
But even with the best precautions, things can still go wrong. That’s where specialist unoccupied home insurance is important. Standard home policies often limit or exclude cover once a property is empty for more than a set number of days, which could leave you stuck if there’s a claim.
If you’ve got a property standing empty and you’re not sure how well it’s protected, it’s worth checking. We can help you find specialist unoccupied cover that’s designed for these risks and we have many options that offer different policy terms, including 3 months, 6 months and 9 months.
