Unoccupied Residential Property Insurance

Expert advice you can trust

Is your home waiting for sale, being refurbished or subject to probate and no one is home?

If your property is left empty for more than 30 days at a time, your standard home insurance is very likely to not be adequate.

Specialist Insurance Solutions will ensure your unoccupied property is protected with the correct level of cover by rated insurers’.

Our Policy Covers

If you think your property is going to be unattended for more than 30 days do not hesitate to get your insurance from Southampton based Specialist Insurance Solutions Ltd.

Products and services available

Home Insurance

Properties that are a main home whatever the value or style, we will have a solution. Whether price or quality of cover the priority, we will discuss with you your needs and arrange a policy to suit.

Landlord Insurance

We have access to multiple markets to assist us with providing the correct cover for each individual scenario.

Holiday Homes

Our insurer partners can provide cover for UK holiday homes and larger properties used as a holiday home in most European countries and around the world.

Non-Standard Property Construction

Properties constructed with materials other than brick, tile, slate are likely to fall into this category. We have solutions for pre-fabricated properties and those with timber frames, steel frames, flat roofs of more than 25% of the roof area, live roofs and properties with a history of subsidence to name a few.

Private Clients

We understand that every individual has unique financial goals and aspirations. Whether you’re planning for retirement, protecting your family’s future, investing for growth, or managing your wealth, we provide personalised advice and tailored financial solutions designed to give you confidence and long-term peace of mind.

Commercial Clients

From start-ups and growing enterprises to established organisations, we provide strategic financial advice and bespoke business solutions to help your company thrive. Whether you’re looking to protect your business, support your employees, or plan for future growth, our experienced advisers work alongside you to deliver practical, effective solutions.

We can help you

If your property is going to be empty call Specialist Insurance Solutions Ltd today

Specialist Insurance Solutions Ltd is authorised and regulated by the Financial Conduct Authority and our reference number is 305502. These details may be checked on the FCA’s register by visiting the FCA website or by contacting the FCA

Frequently Asked Questions

When is a property considered unoccupied?

Most insurers treat a property as unoccupied once it has been empty for more than 30 days at a time. At that point your standard home insurance is very likely to be inadequate, and your insurer should be notified or a specific unoccupied policy arranged.

Why won’t my standard home insurance cover an empty property?

An empty property carries a higher risk of undetected damage – such as escape of water, theft or vandalism – so most home policies restrict or exclude cover after around 30 days of non-occupancy. An unoccupied property policy is designed specifically for this situation.

What situations do you arrange unoccupied cover for?

Common reasons include a property awaiting sale, a home being refurbished, or a property left empty following a bereavement or during probate. We provide policies suitable in each of these instances.

What does unoccupied property insurance cover?

Cover can include fire, flood, electrical damage, theft or attempted theft, vandalism and subsidence, along with property owners’ liability. Policies can be arranged for flexible periods to match how long the property will be empty.

Can I take out short-term or flexible cover?

Yes. Unoccupied policies can be arranged for flexible periods, so you only pay for the length of cover you actually need while the property stands empty.

How do I arrange unoccupied property insurance?

If your property is going to be empty for more than 30 days, call 023 8073 6266 or get in touch and we’ll arrange the right cover with a rated insurer before any gap arises.