Unoccupied Home Insurance - Arkwright Insurance

Unoccupied Home Insurance

Owning an unoccupied building can pose serious liabilities because unoccupied buildings are more susceptible to vandalism, undetected repairs, fire and other losses. If you own unoccupied property, it is advisable to purchase Unoccupied Home Insurance, also known as Unoccupied Building Insurance to protect against risks.

  • Risks
  • Fire
  • Lightning damage
  • Explosion
  • Windstorm or hail damage
  • Smoke damage
  • Theft and attempted theft
  • Riot or civil commotion damage
  • Escape of water
  • Subsidence
  • Vandalism (no one is present to deter vandals)
  • Malicious mischief on the property and general property destruction

The insurance risks and liabilities associated with owning unoccupied property can be extensive.

Unoccupied Home Insurance

 In a time when redundancies and repossessions are widespread, your firm may be forced to manage the unoccupied property. The insurance risks and liabilities associated with owning unoccupied property can be extensive, and to ensure you are adequately protected, it is important to know these risks. In addition to purchasing comprehensive insurance cover, there are numerous preventive strategies for maintaining unoccupied properties to reduce risk and liability.

Insuring Residential Properties

Most insurance companies include a clause that a home or buildings policy will be void if a home or building is left unoccupied for more than 30 or 60 days (depending on the policy). This leaves the property owner financially vulnerable for all the risks previously noted. However, many insurance companies do offer unoccupied property insurance (also known as unoccupied building insurance or unoccupied dwelling insurance).

There is a host of risks and concerns associated with owning unoccupied property. Unoccupied buildings are an obvious target for theft, trespassing, and vandalism. For example, the rising cost of copper has given rise to an increase in the theft of copper pipes from unoccupied properties. In addition to any loss or property damage that may occur, keep in mind that the owner of a property can be held liable for criminal activities or accidents that take place on the premises.

Unoccupied Home Insurance

In addition, unoccupied properties are susceptible to undetected damages, such as fire, water damage, electrical explosions, wind or hail damage, and mold. Many of these incidents occur in unoccupied buildings due to small, undetected maintenance issues (where someone in an occupied building would have recognized and handled the problem before it caused a larger loss).

Insurance Solutions

Under most policies, Unoccupied Home Insurance can provide protection if your building goes unoccupied for thirty days, but bespoke arrangements

can be made. You may also be able to choose the length of cover (3, 6, 9 or 12 months) to ensure that you are only paying for what you need. It also protects against liabilities in the event someone is injured on your property and claims damages. It may also be a viable option if the property is in the process of being sold or if it is under construction and is uninhabitable.

Depending on your policy, there may be certain conditions that must be met in order for a claim to be covered, such as specific lock requirements and security devices fitted throughout the property. Arkwright Insurance Brokers will make sure that you know all limitations and requirements of your Unoccupied Property Insurance policy.

In addition to purchasing a cover for an unoccupied building, take the following actions:

  • Regularly inspect the property for damage or threats of damage
  • Make sure you have window locks and 5-lever mortice deadlocks to secure the property
  • Install alarm systems that are triggered by intruders, fires or floods
  • Remove all valuables
  • Switch off utilities


We understand that unfavourable incidents can occur, but Unoccupied Property Insurance can provide the necessary protection. Contact us today at 01204 392 525 for more details.


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