Why Use Insuristic When Arranging Insurance for an Empty House

Insuristic is a UK-based specialist in unoccupied home insurance. We offer expert support and flexible policies designed for empty properties—whether they are in probate, undergoing renovation, for sale, or vacant due to care arrangements.

Unlike many standard insurers who restrict or decline cover, Insuristic provides tailored protection with transparent pricing, flexible options, and no hidden fees.

Tailored Insurance Options for Empty Houses

Unoccupied Home Insurance

deal for homes that are unoccupied but not part of a deceased estate. You may need this if the property is:

Awaiting sale
Between tenants
Under renovation
Empty while the owner is in care or hospital

Key Benefits:

Cover available for 3, 6, 9, or 12 months
Choose from basic FLEEA cover or comprehensive protection (theft, escape of water, flood, subsidence)
Property Owners Liability included as standard
Optional contents cover available
No fees for mid-term changes or cancellations
Pro-rata refunds if cancelled early (and no claim has been made)

Probate House Insurance

Designed for executors and administrators, this policy protects properties within deceased estates.

Cover applies:

From the date of death
Before, during, and after Grant of Probate
Until the property is sold, transferred, or occupied

Why It’s Essential:

Helps prevent underinsurance
Protects against legal liability for executors
Instant online quotes
No hidden admin or cancellation fees
Pro-rata refunds available if no claims have been made

Why Use Insuristic?

We combine digital convenience with personal expertise to make insuring an empty property straightforward and stress-free. Whether you’re a homeowner, executor, deputy, or attorney, we’ll help you select the right cover with confidence.

What Sets Us Apart:

Flexible cover options based on your situation
Expert guidance from probate and property insurance specialists
Transparent pricing with no hidden extras or cancellation fees

Need More Help or Ready to Insure an Empty House?

Click on any of the links below:

A Guide to Insuring an Empty House
How to Insure an Empty House after the Death of the Owner
Our Unoccupied Home Insurance Page, which explains the level of cover available
If the property is empty at any stage of Probate, our Probate House Insurance page explains our unique approach to this and the level of cover available.

Click to go back to our empty house insurance FAQ page.

Learn more about our Insurance & Probate Risk Management Expert,and Founder of Insuristic

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.