If you’ve searched for Unoccupied Home Insurance, Empty House Insurance, or Unoccupied Property Insurance, you’ll find plenty of providers, but not all offer the right level of protection.
Many insurers are not specialists in this space. Their policies may be restricted, offering only basic cover with complex conditions that can leave your property exposed.
You are likely to need a specialist policy if the property is:
Most standard home insurance policies reduce or cancel cover after 30 days of unoccupancy. Basic policies often limit you to FLEEA cover:
This excludes common issues such as escape of water, theft, subsidence, malicious damage, and flood, all of which are high risks for vacant properties.
That’s why it’s essential to choose a specialist provider.
Insuristic is ideal if you are:
If you’re asking “Who insures empty houses?”, Insuristic provides the confidence that your property is properly protected with specialist cover and no surprises.
Click on any of the links below:
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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