Landlord insurance for unoccupied properties

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Protecting your let – even when empty

Empty property, complete cover

As a landlord, you know there will be times when your property sits empty. Sometimes, it’s just unavoidable. And while there may be no tenant risk during these times, it’s still important to keep your property covered.

Your property can end up unoccupied for a range of reasons, including:

  • When renovations are needed, for example just after you’ve bought it
  • When you’re in-between tenants
  • When the property is waiting to be sold.

Unfortunately, there’s always a risk of something going wrong even when a property sits empty – from damage to the buildings to unforeseen liability claims. That’s why we offer comprehensive cover for unoccupied properties, which we 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.

Just give us a call to explore your options.

Let’s Talk

Key features of our unoccupied property insurance
  • 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

Did you know?

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 the listed covers are available at no extra charge if you take out a policy with MS Amlin. We have a panel of 6 insurers all of which include Legal Expenses.

**Please see our Covid-19 FAQs section to understand the current restrictions in place for using this cover.

Find out more

Read our Policy Documents

FAQs

My property is empty, do I need to insure it?

Yes you do. Even if your property is empty you could still be at risk of damage or liability to the public so you should still insure it to keep yourself protected. We offer a range of cover and policy lengths for landlords with empty property.

How often do I have to inspect the property? Are there any other conditions?

Yes, our policies will provide cover based on the type of work and the total cost of the refurbishment. We can also help advise you on this if you need us to.

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

We do it by adding each property to a portfolio as and when they come up for renewal, with you paying a pro-rata premium as and when you add them. Then, at the end of the year, you will have one new portfolio renewal price – simple.

Can I get short-term cover?

Yes we offer shorter-term policies for unoccupied properties if you know your property won’t be empty for long.

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

Yes – provided you haven’t claimed during the policy period, our insurers offer a pro-rata refund for the time remaining when you cancel.