Unoccupied landlord insurance

The tenants may not be home, but your empty rental property still needs to be fully covered, so discover the benefits of unoccupied landlord insurance from PML.

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What is Unoccupied Landlord Insurance ?

Unoccupied landlord insurance is comprehensive and tailored cover for unoccupied or vacant properties.

While in a number of circumstances this may be to cover a long-term situation, Protect My Let can offer short-term unoccupied landlord policies from 90 days upwards, if you know your property will only be empty and without tenants for a finite amount of time.

What does Unoccupied Landlord Insurance cover?

Unoccupied landlord insurance from PML – up close

Empty property, complete cover

As a landlord or property manager, you know there will be times when your property sits empty and without tenants living there. And while every landlord prefers a full house, sometimes a period of no occupancy is just unavoidable. While there may be no tenant risk during these empty times, it’s still important to keep your property covered with adequate landlord insurance for an empty property.

Reasons for having an unoccupied property

You may well be familiar with the following, but your rental property can end up unoccupied for a range of reasons, including:

  • When renovations are needed prior to tenant occupation, for example, just after you’ve bought it
  • When you’re up-and-running but in-between tenants
  • When the property is waiting to be sold and your last tenants have left
Peace of mind for tenant-free periods, constant cover for empty properties

Unfortunately, the risk or possibility of something going wrong is always there – even when a property sits empty. From damage to the buildings to unforeseen liability claims. That’s why we offer comprehensive unoccupied landlord insurance cover vacant properties, which the expert team at Protect My Let can tailor to your needs.

We even offer short-term policies from 90 days upwards if you know your property won’t be empty for long.

Complete the form below and a member of our specialist team will be in touch to discuss your specific requirements and arrange a quote with you.

Key features and benefits of Protect My Let’s unoccupied property insurance include:
  • Buildings and/or contents cover
  • Property owner’s liability
  • Cover for different construction types
  • Terrorism cover
  • Cover during refurbishment
  • Cover while up for sale
  • Short-term policies available – from three-, six-, and nine-month policies up to 12-month policies
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01206 655 899
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Why choose Protect My Let?

Read our Policy Documents

Frequently asked questions

When do landlords need insurance for an unoccupied property?

This is strongly advised if you’re aware any or all of your properties are likely to remain unoccupied for the maximum length of time stated in your standard landlord insurance policy.

Nobody can account for the unexpected, whether that’s damage to the property or a tenant unexpectedly moving out, so ensuring your rental is protected while empty should be a priority.

How long does unoccupied property insurance for landlords last?

An unoccupied property insurance policy, like most insurance, is valid for a year, then will be up for renewal. We also offer, 3-, 6-, or 9-month policies. Our dedicated team at PML will make sure to keep in touch so no dates are missed!

My rental property is empty right now. Do I need to insure it?

Yes, you do – this is the time to gain the benefit and protection of landlord insurance for an unoccupied house – especially if you’re approaching the vacant limit specified on your general landlord’s insurance, or there’s a chance this could go on for a longer time.

An empty property is one that’s at risk of damage or there may be liability to the public, so insure it now to keep yourself protected. We offer a range of cover and policy lengths for landlords with empty property.

My properties all come up for renewal at different times during the year, how can I move them to a portfolio insurance?

We do this incrementally at first, adding each property to a portfolio as and when they come up for renewal. You’ll initially pay a pro-rata premium as and when you add them. Then, at the end of the year, when all your current properties are in the portfolio, you’ll have just the one new portfolio renewal price. It’s that simple.

Can I get short-term cover?

Yes, if you know your property won’t be empty for long, we’re happy to offer shorter-term unoccupied property insurance cover. Our specialist team can advise you on this.

It’s very important to have short-term buildings insurance for unoccupied properties.

If I no longer need the insurance, can I get a refund on the time left?

Yes, you can. We never want you to be spending money when you don’t need to! So long as you haven’t claimed during the time you’ve held the unoccupied landlord insurance policy, here at Protect My Let we offer a pro-rata refund for the time remaining from when you cancel.

What extra measures will help keep my unoccupied property safe?

We’d advise a number of measures for security and safety:

  • As landlord, make regular inspections yourself, or get a property manager to do this on your behalf if you are some distance away
  • If you haven’t done so already, install motion-operated lights and alarms
  • Maintain any fire protection systems
  • Make sure heating is off or low, pipes are not frozen up in the winter, and all electrical appliances are unplugged or switched off
  • Secure all access points
Is legal cover included?

Yes, at PML we can provide legal expenses for up to £100,000 at no extra cost.*

  • Limit of indemnity (per claim) £100,000
  • Legal defence
  • Recovery of rent arrears
  • Repossession of residential property
  • Property disputes
  • Property damage, nuisance, and trespass

*Please note this is available at no extra charge if you take out a policy with MS Amlin. We have a panel of thirteen insurers, most of which offer cover for legal expenses.

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