Most standard home insurance policies allow you to leave your property empty for up to 30 consecutive days (Some might provide you with 60 days, but this is rare), which is sufficient for a typical holiday. However, life events such as a lengthy sale process, a period between tenants, or when the owner moves into long-term care can quickly exceed this limit.
The challenge is that many standard providers view empty properties as a high risk.
If the property is empty for more than 30 days, your current insurer may refuse to continue cover or downgrade your cover to basic FLEEA cover (Fire, Lightning, Earthquake, Explosion, and Aircraft). This leaves you unprotected against the most common unoccupied risks, like theft or burst pipes.
Insurance providers might also impose 7-day inspections, backed up by written inspection reports, which you may struggle to comply with - resulting in challenges if you need to claim.
Specialists like Insuristic will save you a lot of time, whilst making the process a lot easier. We offer:
Broader Protection: Choose the level of cover that matches your risk tolerance.
Total Flexibility: Policies for 3, 6, 9, or 12 months.
Fair Pricing: No cancellation fees and pro-rata refunds on claims-free policies if you sell the house earlier than expected.
If you want to find out more about our cover or get a quote, visit:
If you have further questions, visit our Unoccupied Home Insurance FAQs page.
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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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.