Unoccupied Property Insurance

Protection for properties standing empty

Whether your property is between tenants, awaiting sale, undergoing renovation or part of a probate estate, having the right insurance in place helps protect it while it’s unoccupied.

We arrange specialist insurance for vacant residential and commercial properties, helping property owners secure cover when standard insurance may no longer be suitable.

Is your empty property properly protected?

When a property is left unoccupied, risks such as escape of water, vandalism, theft and fire can increase. Many standard insurance policies also restrict cover once a property has been vacant for a certain length of time.

We’ll take the time to understand your circumstances, how long the property will be empty and any security measures in place, helping you find cover that’s right for your requirements.

Whether your property is residential or commercial, we can help arrange insurance that gives you confidence while it’s unoccupied.

Unoccupied Property Insurance features

Buildings & Contents

Protection available for vacant residential and commercial properties, with contents cover available where required.

Property Owners' Liability

Cover available to help protect against third-party injury or property damage claims.

Core Property Protection

Insurance can include fire, flood, escape of water, theft and malicious damage, subject to policy terms.

Flexible Policy

Short-term and longer-term insurance solutions available, depending on your circumstances and insurer acceptance.

Renovation & Development Risks

Additional cover may be available for properties undergoing renovation or improvement works.

Why choose Hodgson Insurance Services for your Unoccupied Property Insurance?

Independent Advice

A family business built on honesty, care and community, providing suitable recommendations.

Tailored Cover

Insurance built around your exact needs not one-size-fits-all policies. Aiming to provide personalised, flexible and great value insurance packages.

Market Access

We shop the market, so you don’t have. Accessing leading UK insurers and specialist schemes, including markets not available direct to the public.

Trusted Experts

Experienced team helping businesses and families across the UK stay protected since 1977.

Get your Unoccupied Property Insurance quote today

Get a free, no-obligation quote today — or speak to our team on 01288 353999.

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