House insurance for an empty property, often referred to as unoccupied home insurance, provides specialist protection for homes that are unoccupied for more than 30 consecutive days.
Most standard home insurance policies reduce or remove cover after this period, often leaving you with only basic FLEEA protection (fire, lightning, earthquake, explosion, and aircraft). This excludes major risks such as theft, escape of water, flood, malicious damage, and subsidence. That’s why choosing a specialist policy is essential.
Empty properties face increased risks such as:
Unoccupied home insurance ensures you can maintain comprehensive cover whilst the property is empty.
A house insurance policy for an empty property from Insuristic allows you to choose the cover that fits your needs:
This type of cover is ideal when a house is:
Insuristic offers flexible short-term insurance (3, 6, 9 months) or annual policies with:
Our policies are built for homeowners, executors, attorneys and landlords responsible for unoccupied homes.
If your property is going to be unoccupied, standard home insurance is unlikely to provide full protection. House insurance for an empty property from a specialist like Insuristic allows you to choose the right level of cover, from essential FLEEA-only protection to full risk cover.
It is a smart way to ensure your building and liability are protected until the property is occupied again.
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Click 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.
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