Unoccupied Property Insurance
How long is a property unoccupied?
Most home insurance policies will only cover your home if it is empty for up to 30 days. Some will however offer longer periods of cover. Unoccupied homes are very different to occupied residential homes including being at a higher risk of structural damage than an occupied property.
Can you cover an unoccupied property for flooding?
Cover for flood would be something that you would typically expect to be included in an unoccupied policy. If your property is located in a high risk area or has previously flooded then this could be something many insurers will not provide cover for.
Are unoccupied properties eligible for Flood Re?
Yes, as long as they meet the eligibility criteria unoccupied residential properties are eligible for Flood Re.
What types of unoccupied properties can we insure?
- Properties that are pending sale.
- A property that you have purchased and don't plan on moving in to for a while.
- Properties pending probate.
- Properties undergoing renovation that can not be lived in.
- A property that has been inherited or that is not your main residence.
- Under some circumstances properties that are under repair following a recent flood.
Choose your cover:
Why choose us?
Award Winning
We are recognised as a company that's championing change and public interest around flooding.
Affordable Cover
Because we're a specialist flood broker, some of the prices we can offer aren't available anywhere else.
Independent Specialists
Working with more leading insurers than anyone else, we'll have a solution for you whatever your circumstances.
Great Service & Advice
Our team of flood insurance specialists has knowledge that is second to none.
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