Most standard home insurance policies reduce or remove cover once a property has been unoccupied for more than 30 consecutive days. This often leaves you with only basic FLEEA cover (fire, lightning, earthquake, explosion, aircraft) and excludes significant risks such as theft, escape of water, flood, malicious damage, and subsidence.
If your home will be empty for more than a month, for example, during probate, renovation, or a sale, you’ll usually need specialist empty house insurance to stay fully protected.
Insuristic offers two flexible, scenario-based policies to meet your needs:
Designed for homes that are empty but not part of a deceased estate, this policy is ideal if the property is:
Policy highlights:
Probate House Insurance is built specifically for executors and administrators, this policy protects properties within a deceased estate.
Cover applies:
Why it matters:
Executors are legally responsible for safeguarding the estate’s assets. Insuristic helps fulfil that duty with:
Unoccupied homes face higher risks because no one is there to detect problems early. The main threats include:
Specialist empty house insurance ensures these risks are covered, offering financial protection and peace of mind.
Whether you’re a homeowner, executor, landlord, or attorney, Insuristic makes it quick and straightforward to arrange cover.
Click on any of the links below:
Click the link to go back to our empty house insurance FAQ page.
Rob Faulkner is a leading expert in executor insurance risk and probate insurance, with nearly 30 years’ experience in the UK insurance market. He is the founder of Insuristic, a specialist provider of probate-related insurance solutions and educational content for executors.
Rob is an ACII Chartered Insurance Broker, a Chartered Manager, and a Member of the Chartered Institute of Marketing. His background spans insurers, brokers, and Insurtechs, always focused on innovation, transparency, simplicity, and fair value.
He’s passionate about helping everyday people, executors, beneficiaries, and law firms choose the right probate property insurance or unoccupied home insurance, without jargon, inflated fees, or hidden commissions.
Rob is especially passionate about product development and improving insurance education through marketing, helping people understand what they are buying. These values sit at the heart of everything we do at Insuristic.
Want to learn more? Visit my author page or follow me on LinkedIn.
Insuristic Limited is an Appointed Representative of SJL (Worcester) Ltd, who are authorised and regulated by the Financial Conduct Authority with the reference number 763599. This can be checked by visiting https://register.fca.org.uk/s/.
Registered Office: Unit 2, 262 Walsall Road, Cannock, England, WS11 0JL. Registered in England and Wales No: 13926650.
Insuristic is a registered trademark. ©Copyright 2023 Insuristic Limited. All Rights Reserved.