Published 1 October 2025
Does home insurance cover an empty property?
Most standard home insurance policies won't fully cover your empty house beyond a specific timeframe. Typically, unoccupied house insurance is necessary when your property remains vacant for more than 30-60 days, depending on your provider.
If you don't inform your insurer about extended periods of vacancy, your policy could be invalidated or significantly limited. Always check your policy documents for specific unoccupancy limits and consider specialized coverage for longer absences.
Do I need to tell my insurer if my house is empty for 60 days or more?
Yes! Most home insurance policies will only cover an empty house for 30-60 days, so if you don't let your insurer know about extended periods of vacancy, you risk having your claim denied or your policy invalidated entirely.
When a property is unoccupied beyond the standard period, insurers typically require notification because the risk profile changes significantly. This may result in higher premiums or an increased policy excess to reflect the additional risks associated with an empty house. Some insurers might offer specialised unoccupied property coverage with different levels of cover during this period.
Always check your policy documents for specific exclusions and requirements regarding empty properties, because different insurers have different notice periods and conditions, so understanding your policy's exact terms is essential to make sure you’re covered.
What are the risks of leaving a vacant house or empty property unattended?
If you're away from home, there’s an increased likelihood of the following:
- Electrical hazards.
- Burglaries.
- Water damage.
- Vandalism.
- Escape of water (burst pipes).
- Poor maintenance-related damage.
The chances of these events occurring are significantly higher when nobody is around, for example, potential burglars may notice that the property is empty, making it an easier target for break-ins. Maintenance issues like Escape of Water and electrical problems often go undetected when the home is empty, leading to severe damage and costly repairs.
How can I keep an unoccupied property safe?
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What to do |
Why it helps |
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Ask a neighbour or friend to keep an eye on the property |
Creates the appearance of occupancy and allows quick response to issues. |
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Schedule weekly inspections |
Regular checks help identify problems early and satisfy insurance requirements. |
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Install smart security systems or extra CCTV cameras |
Deters potential intruders and provides evidence if break-ins occur. |
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Set up smart exterior lighting systems |
Illuminates surroundings and creates impression of occupancy. |
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Have good quality locks on doors and windows |
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Drain water system in winter for long periods |
Prevents pipes from freezing and potential water damage. |
Although these measures can't guarantee complete protection, they help reduce risks. Remember, failing to meet policy conditions regarding empty property checks and maintenance could increase your excess or invalidate your claim.
What about second homes, holiday homes and other non-primary residences?
There are different rules for properties that aren't your primary residence. Most standard home insurance policies don’t cover second homes or holiday homes as they tend to have extended periods of unoccupancy, typically beyond 60 days.
If you're dealing with a property in probate, you'll need specialist unoccupied property insurance, as standard policies may be voided after 30-60 days. Similarly, landlords between tenants should check their landlord insurance policy, as you may need additional cover during vacancy periods. Always contact your insurer if you're planning to leave any property unoccupied for more than 60 days to make sure you have appropriate protection.
What's covered by unoccupied house insurance
Standard unoccupied house insurance typically protects your property against fire damage, storm and flood incidents, and escape of water or oil from fixed installations. Public liability cover is also included, which safeguards you if someone is injured on your vacant property. Your policy should cover the main structure of your home, including permanent fixtures like boundary walls, driveways, and patios, even when no one's there.
What's not covered by unoccupied house insurance
Most unoccupied property policies won't cover theft without forced entry or break-ins. Gradual deterioration due to poor maintenance is typically excluded, as are high-value items unless specifically declared. Between October and April, some insurers restrict coverage for escape of water damage unless heating is maintained. So, always check your policy for specific exclusions related to prolonged vacancy periods.
How much does unoccupied house insurance cost?
Unoccupied house insurance can vary significantly depending on your circumstances and the length of time your property will remain empty. Standard policies often only cover homes left vacant for 30-60 days, so longer periods require specialised coverage.
Factors affecting the cost of unoccupied house insurance
- Property location - Homes in high-crime areas typically cost more to insure.
- Rebuild value - More expensive properties have higher premiums.
- Security measures - Installing alarms and quality locks can reduce costs.
- Excess amount - Choosing a higher excess may lower your premium.
- Claims bonus - Maintaining a no-claims history can significantly reduce the price.
In summary, check your policy documents for the details of your cover, and make sure to contact your insurer if you’re planning to be away from home for more than 60 days.
