The cost of insurance on an empty house varies based on several factors, including the property type, location, duration of vacancy, and level of coverage.
Standard home insurance typically stops covering a property after 30 days of unoccupancy, which means most empty homes require specialist unoccupied home insurance.
At Insuristic, premiums start from as little as £30 per month for typical properties with Silver cover.
Most customers choose our Silver cover, which includes Insurance Premium Tax. Typical premiums are:
| Duration | Premium |
|---|---|
| 3 months | £95 |
| 6 months | £189 |
| 9 months | £337 |
| 12 months | £431 |
Customers typically opt for Gold cover. Average premiums (including Insurance Premium Tax) are:
| Duration | Premium |
|---|---|
| 3 months | £112 |
| 6 months | £205 |
| 9 months | £336 |
| 12 months | £448 |
Policies with broader cover, including flood, subsidence, escape of water, theft and malicious damage, are more expensive than basic FLEEA cover, which only includes fire, lightning, earthquake, explosion and aircraft.
Homes under renovation or in poor condition may face higher premiums due to increased risk. Boarded-up properties or those in disrepair are harder to insure and may attract fewer quotes.
The postcode of the property affects risk. Areas with high flood, theft or subsidence risk will generally have higher premiums.
Higher-value homes typically cost more to insure because the rebuild or repair cost is greater.
Some policies are priced based on bedroom count. A four-bedroom home usually costs more to insure than a similar three-bedroom property.
The longer the house has been empty, the more limited your options may be. Properties unoccupied for over two years may attract higher premiums and fewer willing insurers.
Insuristic offers tailored unoccupied home insurance policies that include flexible cover levels and options for contents, liability and structural risks. We do not limit our cover to basic FLEEA risks, and our policies are designed to suit a range of scenarios including probate, renovation or care-related vacancy.
The cost of empty house insurance varies based on the property’s type, value, location, and the duration of its unoccupied status. Once a home has been empty for more than 30 days, most standard policies reduce or remove cover, meaning a specialist unoccupied home insurance policy is usually essential.
With Insuristic, you can choose flexible short-term insurance or annual cover, tailored to your situation, whether the property is in probate, awaiting sale, undergoing renovation, or empty due to care arrangements. Our policies protect against both common and complex risks, so you can feel confident your property is fully covered for as long as it remains empty.
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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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