Unoccupied property insurance

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Unoccupied Property Insurance

As a landlord, if you need to renovate, redecorate or knock a wall through, your property might need to be empty for a while. But what do you need to do, insurance-wise?

If your property is vacant for more than 30 days it can be classed as unoccupied, which might mean you’re not covered.

In this situation, one option is to buy unoccupied property insurance. This can give you short-term cover for about 60 days.


  1. But once your work is done, you might be concerned that your rental property will be empty for weeks or even months, leaving you to foot the bill for the mortgage because of the loss of rent.

That’s why having landlord insurance is worthwhile, and can offer you more protection from the things that could go wrong when you rent out a property.

What is Landlords' Insurance?

Landlord insurance is a bit like home insurance, but it’s specifically designed to cover rental properties.

While ordinary home insurance will typically cover properties that have been empty for up to a month, landlord insurance will usually allow a home to be empty for three months. This is reassuring for landlords as it can often take more than a month for a new tenant to move in.

There are few elements to landlord insurance that are worth a look.

What does it cover?

First is buildings insurance: as with a normal house insurance policy this covers damage to the building itself, say from a fire or a flood, and the cost of making repairs caused by an insured event.

Next up is contents insurance. This is important if your rental property is furnished, because it covers the cost of replacing or repairing carpets, furniture, kitchenware or electrical items like TVs. It won’t pay for anything that happens to items that tenants bring to the property though. They’ll need to take out their own contents insurance for that.

Landlord liability insurance: this would cover you if a tenant or a visitor to the property were to be injured and take legal action against you. The landlord insurance policy would cover the legal costs and compensation in this situation.

Other features

Like with many kinds of insurance, there are other features that might be included in the standard policy. These include:

Rent guarantee insurance: this is designed to protect you against a loss of rent – because the property is empty due to an insured event, such as fire.


Legal expenses cover: to cover your costs if you're involved in a legal dispute with your tenant.


Home emergency cover: if something happens to your property's supply of gas, electricity, heating or water this can cover the cost of repair, and help get it fixed more quickly.


Employer liability cover: if you employ anyone at the property you’ll legally need to have this cover in place.

Compare landlord insurance

As with any kind of insurance, the best way to know if you’re getting a good deal is to shop around and see what’s out there.

We can help you with that. Just click the button above to start comparing. Fill in a few questions about the property and what kind of insurance you need, and we’ll give you a list of the policies available to suit your details.

The quotes are listed in price order with the cheapest at the top – you can choose whether to pay monthly or the full premium up front.

The table shows you which features are included in the policy, and each line will expand to show you a lot more detail on the policy, without visiting the provider’s website.

Once you’ve decided, just click on the link and you can go through to the provider’s website and buy.