How long can my property be unoccupied before I need specialist insurance?

The threshold varies by insurer and policy, but most standard policies restrict or remove cover after 30 to 60 consecutive days of vacancy. Check the unoccupancy clause in your current policy. If you are approaching or have exceeded this period without arranging specialist cover, contact your broker immediately.

Does unoccupied property insurance cover property owners' liability?

Property owners' liability is typically included in specialist unoccupied property insurance policies. This covers your legal liability for injury to third parties or damage to their property arising from your ownership of the vacant premises. You remain legally responsible for the property even when it is empty, so this cover is essential.

What happens if I do not tell my insurer the property is unoccupied?

Failing to notify your insurer that the property has become vacant — once the unoccupancy clause period has been exceeded — is a breach of your policy terms. If you make a claim, it may be declined or significantly reduced. Insurers underwrite policies based on the risk presented at inception. An unoccupied property is a materially different risk, and non-disclosure of this change can invalidate your cover.

Can I get cover if the property is undergoing renovation?

Yes, but the nature and extent of the works must be disclosed to your broker and insurer. Depending on the scale of the project, a standard unoccupied property policy may not be sufficient. Specialist renovation insurance or contractors all risks cover may be more appropriate for properties undergoing significant structural works. Your broker can advise on the most suitable arrangement.

What security measures do I need to have in place?

Requirements vary by insurer, but common conditions include: all doors and windows locked and secured; deadlocks or additional security measures on ground-floor access points; removal of waste and combustible materials; and regular inspections at specified intervals (typically weekly or fortnightly). Some policies also require alarm systems or boarding up of vulnerable access points. Failure to meet these conditions can result in a claim being declined.

Unoccupied Property Insurance UK

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