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Unoccupied Property Insurance

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Unoccupied Property Insurance

A property can be left unoccupied for a number of reasons - between tenants, awaiting sale, undergoing renovation or residents being absent for a sustained length of time. Most standard insurance policies will not provide cover for properties that are vacant, empty or unoccupied for more than thirty days. As it's at these times when the level of risk becomes greater, an insurance policy that protects you and your empty property is all the more important – you cannot afford the risk of your property being uninsured.

At Alan & Thomas, we understand the specific needs and risks associated with insuring empty residential and commercial property. We have worked closely with a number of the UK's leading insurers to design a bespoke  unoccupied property insurance product that can be tailored to suit the individual needs of owners of vacant properties.

Our specialist property team, who deal exclusively in insurance for individuals and groups who own property for commercial reasons, will work with you to ensure you have the right cover at the most competitive price. We pride ourselves on combining expert knowledge with the highest levels of customer service.

We will ensure that the policy we obtain for you covers eventualities such as storm damage, flood, subsidence, fire, lightning strike and earthquakes, as well as theft, malicious damage, vandalism and terrorism.

Unoccupied Property Insurance

Benefits of our Unoccupied Property Insurance can include*:

  • Bespoke levels of buildings & contents cover
  • Dedicated property expert to guide you through the process
  • Short term policies available
  • Discounts for security measures
  • Monthly instalment payment available (subject to status)
  • No lengthy forms to complete
  • Optional installation of temporary alarm system and 24 hour monitoring with emergency call out service
  • Cover for escape of water and accidental damage
  • Optional loss of rent cover

*This list of insurance cover options is not exhaustive and additional covers can be included upon request

As well as providing the right insurance policy for you, we hope to become one of your trusted professional advisers and as such, are pleased to offer free business continuity plan software and a free risk management service with each policy.

What next?

We understand the insurance requirements of owners of unoccupied / empty property and would welcome the opportunity to advise you further. For a free no obligation review and quotation for your business insurance needs, please contact us and we will be pleased to assist.

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