Protecting Your Empty Property: What You Need to Know
Do you own a house that is sitting empty? Whether it's awaiting sale, between tenants, undergoing renovation, or simply sitting vacant during probate… this is something we should talk about. Unoccupied properties are one of the fastest-growing areas of risk we're seeing right now. Many owners don't realise they may already have a gap in their cover.
The scale of the problem
You're far from alone. Government data shows there are now over 303,000 long-term empty homes in the UK. The highest figure in 11 years! A sluggish property market, rising renovation costs, probate delays, and longer void periods between tenants are all contributing to more properties sitting empty for longer than expected.
Why your standard policy may not be enough
This is the part that catches most people off guard. Most standard home and landlord policies only cover a property that's unoccupied for 30–60 days. Beyond that, you could be left exposed to risks like theft, escape of water, and malicious damage, with no valid claim to make.
It's important we review your cover now. Before something goes wrong. Let’s check your policy to see how long your empty property is covered for.
What specialist cover looks like
Unoccupied property insurance is designed specifically for these situations. It fills the gap left by standard policies. Think: a home awaiting sale, a rental between tenants, a holiday let out of season, or a property going through probate or renovation.
What we'd suggest
Many property owners only discover a gap in their cover when they come to make a claim. By then, it's too late. We'd rather have this conversation with you now.
We have access to special insurance products, so getting the right cover in place can be straightforward. The peace of mind is well worth it.
Get in touch today, and let's make sure you properly is protected.
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