Unoccupied Properties

Most major insurers are not interested in providing cover for unoccupied properties, and once a property becomes empty, they will usually limit cover to 30 days. This can cause real headaches, as a property becoming empty, is rarely an expected event, or part of anyone’s plans.

Whether your property is empty due to a lack of tenants, or the death of a family member, 30 days is often too short a period for people to work around. Tenants come and go, and it can take time to replace them, probate takes months, sometimes years, to wind up, but in the meantime, your assets will still need protection.

When you are not sure how long your property will be empty for, it can be difficult to find cover that will suit your needs and give you the flexibility you need. Our job at Coversure is to advise you what covers are available, how they apply to your current circumstances and what the pros and cons are when your future plans are taken into consideration.

However, sometimes, there are occasions when an empty house is planned, such as the many properties bought by speculators, who develop them and then move in, sell them on, or let them. These properties still need cover, and we can cater for these projects as well. So, if you are planning on completely gutting and renovating a property, building an extension, or simply doing a bit of modernising, we can source cover for your situation too.

As well as unoccupied property, we also offer property cover for –

Residential Lets
Commercial Lets
Mixed Use
Non-Standard Build

Everything from lockups to blocks of flats, let us find the right policy for you.
Other property related cover we offer includes Self Build Projects & Contract All Risks.