Unoccupied Property Insurance
- Insurance that works for you
- Protect your empty property from theft, damage, and unexpected risks while it’s unoccupied
- Fast, hassle-free claims support to get your business back on track quickly
- Dedicated account managers and regular policy reviews to keep your cover up to date
- Why Choose CoverMy?
Leaving your property empty? Make sure your insurance sticks around
Got an empty property? After 30–60 days, standard insurance often stops covering it. CoverMy Unoccupied Property Insurance protects against risks like theft, vandalism, and hidden leaks — giving you peace of mind while your property takes a little alone time.
- CoverMy way
At CoverMy, we keep it simple —
with expert support every step of the way.
- UK based, Experienced and dedicated call handlers.
- Round the clock claims helpline, 24/7, 365 days a year – here when it matter most.
- Real time dynamic pricing that guarantees you our best available rate, every time.
- With over 40 years of knowledge and experience, trust the team that’s been around, and proven.
Your Policy At A Glance
Building Cover
Protection for the structure against risks like fire, storm, flood, and accidental damage while the property is empty
Vandalism and Malicious Damage
Coverage against break-ins, graffiti, or deliberate damage during vacancy
Water Damage & Plumbing Risk
Protection against burst pipes, leaks, and related issues that can occur in unoccupied homes
* Not limited to the covers shown
Your Questions Answered
What is unoccupied property insurance?
Unoccupied property insurance provides specialist cover for properties that are empty for an extended period, typically 30 days or more.
When is a property considered unoccupied?
Most insurers consider a property unoccupied if it has been empty and unfurnished for 30 consecutive days, though this can vary by policy.
Who needs unoccupied property insurance?
This cover is suitable for property owners, landlords, executors, or investors with empty properties due to sale, renovation, probate, or change of tenancy.
What does unoccupied property insurance typically cover?
It can cover the building, limited contents, property owners’ liability, and risks such as fire, flood, storm, vandalism, and theft (subject to conditions).
Why is standard property insurance not suitable for unoccupied homes?
Standard policies often restrict or exclude cover when a property is left empty, as unoccupied buildings carry a higher risk of damage or vandalism.
Are there special conditions for unoccupied property insurance?
Yes. Policies often require regular inspections, secure locks, drained water systems, or other risk management measures.
Ready to get covered?
Get a quick quote online or speak to our team — we’ll help you find the right policy, fast.
