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Unoccupied Property Insurance

Protect your investment even when it’s vacant!

Owning an unoccupied property presents unique challenges and risks. Without the proper insurance, you could suffer significant financial losses due to unforeseen events such as vandalism, theft, or damage. This is where our unoccupied property insurance steps in.

According to Government statistics from November 2023, there are over a quarter of a million long-term empty residential properties in the UK. Owners of these properties face issues that are less common in occupied homes, including:

  • Increased risk of arson
  • Increased risk of burglary
  • Vandalism
  • Leaking roofs, blockages, and stagnant water in pipes
  • Infestations
  • Damp and mold

We offer tailored unoccupied property insurance coverage to protect your investment, ensuring you have the peace of mind you deserve. Whether you are going abroad for an extended period, refurbishing your home, or dealing with a bereavement, our insurance solutions have you covered.

What are you covered for?

Understanding the cover

What is Unoccupied Property Insurance and why you might need it?

Unoccupied property insurance is a specialised type of insurance designed to protect properties that are vacant for an extended period. Standard home insurance policies often do not cover homes that are left unoccupied for more than 30 to 60 days, leaving these properties vulnerable to various risks.

This specialised insurance fills the gap, offering coverage for potential hazards such as vandalism, theft, fire, and water damage.

Whether the property is unoccupied due to being on the market, undergoing renovations, or awaiting new tenants, unoccupied property insurance provides peace of mind by safeguarding the owner’s investment against unexpected events.

Choosing your provider

Why choose our Unoccupied Property Insurance?


Comprehensive Property Protection

When your property sits empty, it becomes vulnerable to a range of risks, including fire, vandalism, theft, and malicious damage. Our insurance offers comprehensive coverage against these perils, providing you with peace of mind knowing that your property is protected, even when unoccupied.

Liability Peace of Mind

Legal liabilities can quickly escalate if someone is injured on your property while it's vacant. Our insurance includes liability protection, shielding you from potential legal claims and expenses, so you can rest easy knowing that you're financially protected.

Vandalism and Theft Coverage

Empty properties are often targets for vandals and thieves. But fear not! Our insurance offers comprehensive coverage against vandalism, theft, and burglary, ensuring that your property remains safe and secure at all times.

Flexible Options, Affordable Rates

We understand that every landlord's needs are unique. That's why we offer flexible coverage options tailored to suit your specific requirements, all at competitive rates that won't break the bank. With our insurance, you can customize your coverage to meet your individual needs and budget.

3, 6 or 12 Month Cover Options

For your peace of mind, we offer flexible cover so you are not tied in for the full year. Additionally, if you intend to rent the property we can seamlessly covert it into a landlord insurance policy.

Storm & Flood Cover

Protection against damages caused by severe weather conditions. When unoccupied, the risk of such damage can be higher as regular maintenance and repairs are delayed. This coverage ensures that you is financially protected, helping to cover the cost of repairs.
Getting cover

Request a unoccupied property quote

Our expert team at Carbon Insurance Brokers are here to help you with your unoccupied property insurance needs. Fill in a few details below and our team will be in touch to provide you with a unoccupied property insurance quote.

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