Unoccupied Property Insurance Comparison

Unoccupied property insurance

Insuring Your Unoccupied Property with Tiger.co.uk

Most standard home, contents, office, or shop insurance policies are designed for properties that are occupied the majority of the time—whether by a homeowner, tenant, or small business (in the case of a commercial property).

However, insuring an unoccupied property is a little more complex. Empty properties are classed as ‘non-standard’ and therefore require a specialist insurance policy.

How to Insure an Unoccupied Property

A standard insurance policy may not provide adequate cover if your property is left empty for an extended period. Insurers generally consider unoccupied properties a higher risk due to the increased likelihood of:

• Water damage and rising damp
• Vandalism and burglary
• Squatters gaining access

If your property will be vacant for more than 30 days, you’ll need a specialist insurance policy that accounts for these additional risks.

That said, just because an unoccupied property carries a slightly higher insurance risk doesn’t mean you have to overpay for cover. Shopping around can help you find a competitive deal on your policy.

Why Does Unoccupied Property Insurance Cost More?

Unattended properties are more vulnerable to issues such as water leaks, mould, rising damp, and even fire damage. They are also at greater risk of vandalism and burglary, as there is less chance of someone being present to deter intruders. Additionally, squatters are more likely to target empty homes, offices, or shops—particularly those left vacant for an extended period.

Because of these increased risks, insurers tend to charge higher premiums for unoccupied property insurance. However, by comparing policies, you can find suitable cover at a competitive price.

Start comparing unoccupied property insurance with Tiger.co.uk today.