Unoccupied property insurance

Insurance cover for unoccupied properties

Unoccupied property insurance from Towergate Connect is suitable for properties which may be left vacant for 30 days or more. Our cover is flexible - you can choose between our 3, 6, 9 and 12 month insurance policies, so you are only paying for what you need.

Key features of unoccupied property insurance

• Flexible policies for 3, 6, 9 and 12 months at a time - so you are only paying for the cover you need
• Instant cover available online or over the phone (please note due to legal reasons, if you are the main executor of the unoccupied property or have power of attorney, you must purchase over the phone)
• Protection against vandalism
• Cover for damage caused by water or subsidence
• Total value of contents can range from £1,000 to £15,000
• Property owners liability cover of up to £2 million
• No single article limit - ideal if you are not sure how much an item is worth

Why choose Towergate Connect for your unoccupied property insurance?

You will benefit from our 20 years of experience as a leading insurance specialist and our professional, friendly staff will help you find the right unoccupied home insurance.

We offer good value insurance; other insurers may be cheaper but lower levels of cover can leave you open to risk. Often insurers won't provide full cover while a property undergoes renovation or refurbishment, whereas in most cases we offer extensive cover.

Our unoccupied property insurance policy is underwritten by well-known insurers including AXA, Royal & Sun Alliance, Equity Red Star and Allianz.

You may find that the property is vacant and requires unoccupied property insurance because:

• The property is awaiting probate
• The property is awaiting sale or occupation
• The property is awaiting or undergoing refurbishment or renovation
• The property is left vacant due to the owner being at a second property or abroad, hospitalised or taken in to care
• The property is left vacant for over 30 consecutive days and the current insurer ceases cover

Properties awaiting probate

We can arrange insurance cover for unoccupied properties being dealt with by executors, solicitors and administrators of estates.

We understand that there's a lot to do following the death of a relative or friend which is why we don't ask you to value individual items. Also, we leave you to choose whether you want to insure the total contents for as little as £1,000 or as much as £15,000.

If you are a solicitor looking for unoccupied property insurance our solicitors insurance product can help.

Exclusions

• The property must be in a good state of repair. Properties should not be boarded up and should appear tidy from the outside
• All properties must have window locks and 5-lever mortise deadlocks *
• Major works e.g. extensions, structural repairs. Roofing can be considered for limited perils only
• Damage caused by contractors (contractors should have their own insurance)
• The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £50 for all other claims

* Refer to tips and advice to see what a 5-lever mortise deadlock looks like.