Most home insurance stops covering you properly or restricts cover once a property is unoccupied.
If your home is on the market and sitting empty, our insurance for an unoccupied house for sale gives you flexible protection, with no admin fees, no cancellation charges, and quick online quotes.
Protect your empty home while it’s on the market, fast, flexible insurance you can arrange in minutes.
Our policies are exclusive to Insuristic and not available on comparison sites.
If the owner has passed away and the property at any stage of the probate process, this page isn't for you.
If your property is unoccupied while you’re selling it, your standard home insurance may stop covering you properly, or restrict cover after just 30 days.
That’s why specialist unoccupied home insurance is essential. It protects your property while it’s empty, gives you flexibility if the sale takes time, and ensures you're not left exposed if something goes wrong.
At Insuristic, we make it easy. Get a quote in minutes, with no admin fees, no cancellation charges, and cover you can cancel anytime with a pro-rata refund.
If you're ready to get started, you can request a quote in minutes, or explore our Unoccupied Home Insurance or Probate House Insurance pages for more detail on cover levels and options.
It might be tempting to cancel your insurance once you’ve accepted an offer — but doing so too early could leave you seriously exposed. We strongly recommend keeping cover in place until completion has taken place and funds have cleared.
Here’s why:
Although the buyer is legally responsible for insuring the property from exchange, if something happens before completion, like a fire, flood, or theft, and their insurance doesn’t respond, you could be left uninsured and out of pocket.
If you’ve cancelled your own insurance, you’ll have no fallback. And once damage occurs, getting new cover can be difficult, or impossible, until the issue is resolved.
Sales can and do fall through, whether due to the buyer’s death, financial changes, or sudden withdrawal. If that happens, their insurance becomes invalid, and your property is once again unprotected.
With Insuristic, you don’t have to take that risk. Our policies are fully flexible, competitively priced, and can be cancelled at any time, with a pro-rata refund for any unused days.
Our insurance protects your home while it’s empty and on the market. Choose from three levels of cover — all with optional contents insurance:
Bronze – Covers fire, lightning, explosion, earthquake, and aircraft damage (FLEEA), plus £2 million property owners’ liability and debris removal.
Silver – Adds cover for storm, flood, impact damage, falling trees, sanitary fittings, underground pipes, leak tracing (up to £1,000), increased water bills, and TV aerials.
Gold – Adds theft, malicious damage, escape of water or oil (up to £3,500), and subsidence (where applicable).
Need full details? See our Unoccupied Home Insurance page for exclusions and policy documents.
Selling a property can take weeks — or even months — and during that time, your home is more exposed to risk. At Insuristic, we understand that flexibility and simplicity matter just as much as cover.
Here’s why people selling an unoccupied house trust us:
That’s why our insurance for an unoccupied house for sale is trusted by property sellers across the UK.
We’ve made it quick and straightforward to protect your empty property:
Get a Quote Online: Easy to use secure online system
Choose Your Cover Level - Select Bronze, Silver or Gold, with optional contents cover.
Pick Your Policy Term - Choose 3, 6, 9 or 12 months depending on how long the property may remain unsold.
Download Your Documents Instantly - Once payment is made, your documents are available immediately.
Cancel Anytime - If your sale completes early, cancel your policy and receive a pro-rata refund.
You don’t need to be an insurance expert. We guide you through every step. and you can contact us anytime if you need support.
Yes. Our policies are fully flexible. You can cancel at any time and receive a pro-rata refund for any unused days, with no admin or cancellation fees.
You can cancel your Unoccupied Home Insurance policy at any time. Here's how cancellation and refunds work:
You’re entitled to a full refund if you cancel within 14 days of either:
The policy start date, or
The day you receive your documents (whichever is later),
as long as no claims have been made.
You can still cancel at any time. As long as no claims have been made (or are pending), you’ll receive a pro-rata refund for the remaining policy period.
There are no admin or cancellation fees, and cancellation is quick and hassle-free, just contact us via email or live chat.
If the property has been sold, occupied or entered probate, we can also help you arrange the correct insurance going forward.
All claim details are included in your policy documents. You can contact our claims team directly using the dedicated contact information provided when you buy. We'll guide you through every step.
Yes. You can choose to insure just the buildings, or add contents cover if you're leaving items like unfixed white goods, furniture, or personal possessions inside.
We can insure unoccupied properties undergoing non-structural renovations up to £50,000 in total value, such as kitchen or bathroom refits, decorating, new flooring, or rewiring.
If your renovation includes structural works (like wall removal, extensions, or loft conversions), cover may still be available but will require referral to our underwriter. You’ll be able to tell us about any planned work when you request your quote, and we’ll confirm what’s possible.
Still have questions about insurance for an unoccupied house for sale? Vist our empty house insurance FAQ page or get a quote online now, it only takes two minutes.
Rob Faulkner is an ACII Chartered Insurance Broker with nearly 30 years' experience in the UK insurance market. He is also a Chartered Manager and a Member of the Chartered Institute of Marketing.
As the founder of Insuristic, Rob has developed clear, flexible insurance solutions for property owners and people managing empty homes.
He writes regularly on property and business insurance, with a particular focus on probate insurance, unoccupied home insurance and risk management, areas where he brings deep expertise.
Rob is especially passionate about product development and insurance education, helping people understand what they are buying. These values shape 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/.
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Insuristic is a registered trademark. ©Copyright 2023 Insuristic Limited. All Rights Reserved.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.
Please Note: Our broking team at SJL Insurance will need to talk to you to discuss your requirements. This is an advised service.