Property owner's liability
If you are legally responsible for injuries or damage to someone's property, insurance will cover legal fees and compensation payments
1Correct as of November 2023
There are lots of reasons why landlords might have empty properties, including:
You own a holiday let that is empty during off-seasons
You are a new landlord
Tenants have moved out and you haven't found new ones yet
You rent your property to students
The property has been vacated for maintenance
Whether or not you expect your property to be empty, this is a valuable insurance cover to consider. If, for example, an accident occurs on an empty property, your landlord insurance will help you cover legal fees and compensation for any liability claims. If your property is vandalised or broken into, your insurance can cover the cost of repairing the damage and replacing stolen contents. Without unoccupied property cover, you would have to pay these costs out of pocket once your property has been empty for more than 60 days.
It's important to inform your insurer when an insured property is unoccupied. Failing to do so could invalidate your policy.
Unoccupied property insurance can be a valuable extra cover for landlords but it can also add to the cost of your landlord property. Not every provider is willing to offer this type of cover, which also means it can limit your options when shopping for policies. It pays off to take some extra time to compare quotes to see for yourself how to get the best value out of your landlord insurance. Comparing quotes with MoneySuperMarket is quick and easy, and with our questionnaire we can help you find policies are providers that meet your specific needs. Compare cheap quotes with us to find the best price on your landlord insurance."
We will need some basic details about you, including your name, contact details, and some details about your financial history
We will need to know about the property you want to insure, including details about its construction, its age, its location, and its state of repair
To get unoccupied property cover, we will need to know the length of time the property will be empty
We need to know what kind of policy you're looking for – whether it includes building or contents insurance – and what additional cover you want to add
If you think your rental property will be unoccupied for a long period, you may want to consider doing the following to protect it:
Make regular visits: While many providers will ask you to visit at least once a week, dropping by more often can give you more peace of mind that your property is in good shape.
Instal smart security: There is a wide array of smart security devices available, such as security cameras and smart lighting that are linked directly to your phone. These can help you keep tabs on the property while it’s empty.
Ask your neighbours: It might be worth asking the people who live around or next to the property to keep an eye out if they can. However, you shouldn’t rely on this as a failsafe measure.
Standard landlord insurance policies have limits to how long you can leave your property unoccupied, after which you won't be covered. The typical length of time is a maximum of 30 days, although some providers allow as long as 60 days left unoccupied.
You should always inform your provider when you know your property is unoccupied, even if you have cover for it. Failing to do so could mean that your claim is rejected.
Yes, you can. Landlord insurance policies can cover multiple properties at a time, with the same level of cover applying to all of them. However, if you have a large number of properties that you want to insure at once, you may need to go to a provider that specialises in large portfolios.
An unoccupied property is a property that no one has lived in for a period of time. This includes properties that have tenants but the tenants have been away for an extended period. For example, tenants that have gone on a long holiday or have an extended stay in hospital are technically leaving their home unoccupied. In cases like these, standard landlord insurance may not cover the property if anything were to happen while the tenant is gone.
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