Home insurance for empty houses - Best Money Saver

29th November 2018by Chloe Dickenson

Home insurance for empty houses, also known as unoccupied home insurance, provides cover for your home if it’s left empty for a certain period of time.

While you should already have a standard home insurance policy that covers you for a whole manner of things, your policy will only cover your house if it’s empty for a certain amount of time (usually 30 days).

Homes may be left empty for a number of reasons including; extended holidays, renovation works on your property, or the fact that you are a landlord without a tenant for your property for an extended period of time.

Unoccupancy periods vary for each home insurance provider so it’s a good idea to do plenty of research in order to get the best deal for your home.

The table below shows some of the best home insurance providers for empty houses.

Unoccupied home insurance provider Cover options Property owners’ liability Unoccupancy period
Home Protect Home renovation & theft £5 million Unlimited
The Home Insurer Home renovation & theft £2 million Unlimited
GSI Insurance Home renovation & theft £5 million Unlimited
UKinsurancenet Home renovation & theft Varies Unlimited
Towergate Home renovation & theft £2 million Unlimited

Home Protect

Home Protect provide a vast range of different types of home insurance policies to suit everyone’s needs.

Their unoccupied home insurance is one of the best in the industry and you can rest-assured that you’re getting excellent value for money when you choose Home Protect to insure your empty house.

Up to £25,000 legal expenses cover

One of the main benefits of choosing Home Protect to insure your empty home is that you’ll be covered for up to £25,000 in legal expenses.

Furthermore, you’ll also be covered for up to £500,000 for insured loss or damage to your property that occurs while it’s unoccupied.

24/7 helpline

Home Protect also offer access to their 24/7 home emergency helpline that you can call for advice or to get answers to any queries you may have about your policy.

Their expert team will be able to assist you with legal matters, as well as any questions that you have regarding your unoccupied home insurance policy.

Pros

  • Legal expenses cover
  • Advice helpline available 24/7
  • Cover for renovations with a one-off fee

Cons

  • Not Defaqto five-star rated

Home Protect are a great choice if you’re looking to insure your empty house.

They’ll help you with anything you need regarding your policy and will also be able to give you advice on anything you may need to know about unoccupied houses.

The Home Insurer

The Home Insurer offers great cover for empty houses and has an unlimited unoccupancy period, so you can relax in the knowledge that your house will be protected for as long as you need it to be.

They also offer great cover for the likes of home renovation and theft so that your home is as secure and protected as possible.

Buy online or over the phone

For your convenience, The Home Insurer allows you to purchase your empty house insurance either over the phone or online.

It’s so easy to do both things, with their easy-to-use website interface that makes obtaining your quote fast and convenient!

Unlimited unoccupancy period

For your peace of mind, The Home Insurer can offer you an unlimited unoccupancy period for your empty house.

So whether you’re looking to insure your second home, a holiday home or even your own house that you plan to be away from for a long period of time, The Home Insurer will protect your home for as long as you need.

Pros

  • Unlimited unoccupancy period
  • Cover for home renovation and theft
  • Easy to buy online or over the phone

Cons

  • No current online discounts available

The Home Insurer is a popular choice when it comes to insuring your empty home. They can ensure that your home is covered for as long as you require it and they can protect you for various things while you’re not there.

GSI Insurance

GSI Insurance are yet another incredibly popular choice when it comes to home insurance for empty houses.

They offer up to £5 million in property owners’ liability as well as an unlimited unoccupancy period for your empty house.

Many levels of cover available

GSI Insurance can offer you various levels of cover including basic fire, theft and damage, flooding and burst pipes.

Whatever type of cover you require for your empty home, GSI Insurance can tailor their policies to suit your needs.

Various length of policies available

As well as offering you flexible types of cover to suit you, GSI Insurance also offer cover that lasts for various periods of time.

Ranging from 3, 6, 9 or 12 months of cover, you can choose your unoccupied home insurance policy to suit your requirements.

Pros

  • Friendly, expert team on hand to assist you
  • Competitive prices to save you money

Cons

  • Customer service team not available 24/7

GSI Insurance are a leading provider of home insurance for empty houses.

They can tailor their policies to suit you and your home, and whether your home is unoccupied for 3 or 12 months, GSI Insurance can ensure your home will be fully protected.

UKinsurancenet

This particular home insurance provider doesn’t just specialise in empty houses; they offer a wide range of different types of home insurance.

Their unoccupied home insurance policies however, are some of the best in the market and will ensure that your home is protected for a prolonged period of time.

Cover for home renovation & theft

Just some of the things that UKinsurancenet cover you for includes home renovation and theft.

This means if your home is unoccupied due to renovation works, then it will be fully covered and protected by UKinsurancenet.

Specialist team on hand

If you have any questions regarding your empty house home insurance, the specialist team at UKinsurancenet can advise you with anything you may need.

Pros

  • Cover for theft and damage to your home
  • Interest free instalments
  • Specialist advice available

Cons

  • No available online discounts

UKinsurancenet offer you incredible value for money when it comes to home insurance for empty houses.

You can ensure that your property is covered for a plethora of reasons, including if you’re away on an extended holiday or if your home is undergoing extensive renovations.

Towergate

Towergate insurance offer cover for many types of people and reasons.

Whether you’re a landlord, a regular homeowner who’s planning an extended holiday or you need cover for your home while it’s undergoing reconstruction and renovations, Towergate can provide you with the policy you need.

Various length in policies

Towergate offer short and long term policies in terms of 3, 6, 9 and 12 months cover available.

You can also obtain three different levels of cover, which all include property owners’ liability and subsidence cover for your added protection and peace of mind.

Contents cover as an added option

As well as your standard cover for your empty house, Towergate also give you the option to add extras on to your policy.

One of these extras includes contents insurance so that not only your home itself is covered, but your contents inside are also protected should anything happen while your home is unoccupied.

Pros

  • Varying length of policies
  • Contents insurance as an optional extra
  • Cover for home renovations and theft

Cons

  • Call centre not available 24/7 so you can’t always get in contact with a member of the team

If you’re looking to insure your empty home, then Towergate are an excellent choice.

They can provide you with extensive cover for your empty house, all at varying lengths of time to suit your needs.

What you need to know

Home insurance for empty houses is often something that many people forget to invest in, as they just presume that they’ll be covered as part of their regular home insurance policy.

Take a look below at all the things you need to know about home insurance for empty houses.

Why are homes unoccupied?

There are many reasons as to why a home or a property may be left empty or unoccupied for an extended period of time.

  • It’s a holiday home
  • You’re renovating your home and it’s unsuitable to live in
  • You’re travelling away on business or an extended holiday
  • You’ve inherited the home but you don’t want to live in it

Lowering the cost of your premium

Home insurance certainly isn’t cheap, and neither is specific home insurance for empty houses.

However, there are a few things that you can to help to lower the cost of your home insurance premium.

  • Install extra security such as extra locks, burglar alarms and light sensors to deter thieves
  • Keep your property as well maintained as possible so it looks like someone is living there even if you’re not
  • Thoroughly compare home insurance providers for empty houses to ensure you get the best deal possible

How to protect your empty house

When it comes to purchasing home insurance for your empty house, there are a lot of factors to consider and plenty of providers to choose from.

One thing you can do however, to reduce the risk of your home coming to harm or damage while it’s unoccupied is to put safety measures and precautions in place. Here are some ideas on how to protect your empty house.

Maintain the outside of your home

An empty house can often be very obvious to potential burglars or thieves so it’s a good idea to try and give the illusion that it’s not vacant all the time.

One way you can do this is to keep the outside of your home regularly maintained as often as you can. This involves ensuring the garden is well looked after and tidy away any rogue tree branches that could cause potential damage to your home in a storm.

Invest in automatic lighting

A house that has a good lighting system often gives the idea that there is someone inside, which can also help to deter potential burglars if they think that the house isn’t actually unoccupied.

Of course, you don’t want to keep the lights on inside or outside your home all the time while it’s empty, so you can invest in automatic lighting systems that come on every so often to give the idea that someone is at home.

Invest in a good security system

Another way to protect your empty house is to invest in security systems such as burglar alarms and CCTV systems.

These aren’t just intended to alert you if someone does break into your house; they can also help to scare off potential thieves if they think they’ll be caught on camera conducting a crime.

Don’t leave valuables in your home

While it may not always be possible to take your valuables with you, it’s a good idea to keep them out of sight or locked away in a safe if possible.

Conclusion – home insurance for empty houses

Home insurance for empty houses is an imperative thing to invest in as it can really help to protect your home if it’s left unoccupied for a long period of time.

Whether you’re going on a long holiday for months at a time, or your house requires a lot of renovation, home insurance for empty houses can help to cover you in the event of an emergency or intrusion.