Specialist Insurance

Unoccupied Property Insurance

Specialist protection for vacant buildings and temporarily unoccupied premises. Whether your property is between tenants, undergoing renovation, or awaiting development, we arrange comprehensive cover against the unique risks of vacant buildings.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Unoccupied Property Insurance Cover?

Unoccupied property insurance protects your vacant building against the specific risks it faces. Typical coverage includes:

Vandalism & Malicious Damage

Protection against deliberate damage, graffiti, and vandalism to your empty property.

Theft & Burglary

Cover for theft of fixtures, fittings, and materials from your vacant building.

Fire & Explosion

Protection against fire damage, arson, and explosion in your unoccupied premises.

Accidental Damage

Optional cover for accidental damage to the building structure and contents.

Weather & Storm Damage

Protection against damage caused by storms, flooding, and extreme weather.

Escape of Water

Cover for damage caused by burst pipes, leaks, and water escape from your property.

Public Liability

Protection if someone is injured on your vacant property – typically £2m-£5m cover.

Emergency Repairs

Cover for emergency repairs needed to secure and protect your property.

Landlord's Liability

Protection against claims from neighbouring properties or third parties.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Specialist Underwriting

Underwriters experienced in vacant building risks and unique exposures.

Flexible Terms

Policies tailored to your specific vacancy period and property type.

Quick Claims

Rapid assessment and settlement of claims on vacant properties.

terms suited to your needs

Access to specialist insurers offering Market Access for vacant buildings.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Property owners with vacant buildings
Landlords between tenancies
Properties undergoing renovation
Buildings awaiting development
Foreclosed or repossessed properties
Commercial properties temporarily empty

What We'll Need for Your Quote

1
Property address and postcode
2
Type of building (residential, commercial, mixed-use)
3
Building age and construction type
4
Square footage and number of storeys
5
Reason for vacancy and expected duration
6
Current security measures in place
7
Any previous claims history
8
Planned use or development timeline

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Frequently Asked Questions

What is considered an unoccupied property?

A property is typically considered unoccupied if no one is living or working in it. This includes properties between tenants, undergoing renovation, awaiting development, or temporarily empty.

How long can a property be unoccupied?

Most policies cover properties for 30-90 days without special conditions. For longer periods, you will need specialist unoccupied property insurance with specific terms.

Is vandalism covered?

Yes, vandalism and malicious damage are typically covered under unoccupied property insurance. This includes graffiti, broken windows, and deliberate damage.

What security measures are required?

Most insurers require basic security: boarded windows, secured doors, regular inspections, and ideally alarm systems or security guards for larger properties.

Can I get cover for a property undergoing renovation?

Yes, we can arrange cover for properties under renovation. This typically includes cover for theft of materials and equipment, and liability for contractors.

How much does unoccupied property insurance cost?

Premiums depend on property type, location, security measures, and vacancy duration. We will provide a tailored quote based on your specific circumstances.

What happens if the property becomes occupied?

You must notify your insurer immediately when the property becomes occupied. Your cover will need to be changed to standard building or contents insurance.

Is liability cover included?

Public liability is typically included, protecting you if someone is injured on your vacant property. Landlord liability can also be added.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.