The circumstances that may make unoccupied property insurance necessary

January 22, 2012

Landlords Insurance

There are a number of circumstances under which landlords may find themselves needing unoccupied property insurance:

  • landlord house insurance may become entirely or partly (depending on the exact nature of your policy) invalid if your property sits unoccupied for a period longer than a number of days stated in the policy;
  • the logic of this is simple – a property that is unoccupied may be at higher risk of certain types of problem (e.g. criminal entry) than properties which are occupied;
  • this condition may not only apply to landlords insurance but also to owner-occupier policies as well;
  • there may be any number of reasons why your property became unoccupied but these may typically not be of interest to the provider of insurance – even situations which you could not control, such as building work over running meaning your property was not available for rental for longer than you had anticipated;
  • it may be worth keeping in mind that this insurance condition may also come into play in situations where you have a property tied up in probate or divorce proceedings etc;
  • once you have put unoccupied property cover into place, your interests may continue to be protected, however, it may be worth noting that you may have changed obligations with respect to keeping your policy in force – those may include things such as regularly visiting the property, attending promptly to any problems discovered and keeping external garden areas in good maintained condition;
  • the number of elapsed days for empty properties may vary slightly from one policy to another but typically averages between 30 and 45 – there may also be some slightly special conditions in situations where your property was standing empty at the time you purchased it and may be so for an ongoing period;
  • unoccupied property insurance may be required irrespective of whether or not your property is furnished – this condition and cover relates to the occupancy status of the building not its contents position.


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