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LANDLORD & PROPERTY INSURANCE

Unoccupied Property Insurance

Specialist cover for empty properties between tenancies, sales or renovation, when a standard occupied policy would no longer respond. Covers the higher risk of escape of water, vandalism and unauthorised occupation that comes with a vacant building.

unoccupied property insurance

About Unoccupied Property Insurance

A standard occupied policy will usually stop responding once a property has been empty beyond a set number of days, typically 30 to 60, which is where this cover picks up. It is built around the higher risk an empty building carries: escape of water going unnoticed, vandalism and unauthorised occupation, and can flex around how long the property is expected to remain vacant.

What You Will Need for a Quote

  • Property address and type (residential, commercial or mixed-use)
  • Rebuild value or sum insured for the buildings
  • Number of units or tenants and tenancy type
  • Whether the property is currently occupied, let or vacant

Unoccupied property insurance specialists who understand vacant risk.

We are independent, meaning we access a wide panel of insurers who are prepared to cover empty buildings. Whether a property is between tenancies, awaiting sale or undergoing renovation, we help find insurers that understand vacant property risk.

Independent

We are not tied to any insurer, allowing us to compare Unoccupied Property Insurance options across insurers who specialise in vacant buildings.

Built for Your Trade

An empty property carries different risks to an occupied one. We arrange cover built around how long it is expected to remain vacant.

Flexible

Cover can be arranged for short void periods or extended vacancy, including properties undergoing renovation.

Dedicated Support

One specialist broker manages your enquiry from quote through to renewal and claims support.

Who We Arrange Cover For

  • Landlords between tenancies
  • Owners with a property up for sale
  • Properties undergoing renovation or refurbishment
  • Probate and inherited properties
  • Repossessed properties
  • Owners relocated for work
  • New-build properties awaiting occupation
  • Portfolio owners with void units

What We Arrange

  • Buildings cover for empty property
  • Escape of water cover
  • Cover for vandalism and malicious damage
  • Unauthorised occupation cover
  • Cover during renovation works
  • Extended vacancy periods
  • Property Owners' Liability
  • Flexible policy periods around expected void length
Industry Recognition

Recognised Across the Industry

Shortlisted and named a finalist at leading UK insurance industry awards, recognising our expertise and continued growth.

Shortlisted

Commercial Lines Insurance Broker of the Year

2026 UK Broker Awards

Shortlisted

Insurance Broker of the Year, London & the South East

2026 UK Broker Awards

Finalist

Insurance Broker of the Year

2025 Insurance Times Awards

What Clients Say

5.0
EXCELLENT · Based on 350+ reviews on Google
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MG
Marin Gobjila
Verified Google Review

“I recently worked with eCovers Insurance Brokerage and was thoroughly impressed. They demonstrated deep expertise and tailored their recommendations to perfectly suit my needs. The team was incredibly responsive and made the entire process smooth and stress-free. What stood out most was their honesty and transparency—there were no hidden fees or pressure to choose the most expensive policy. I highly recommend eCovers for anyone seeking knowledgeable and customer-focused insurance services.”

AS
A Sas
Verified Google Review

“Highly professional and knowledgeable insurance broker. Provides personalized advice, quick responses, and excellent customer service. Helped me find the best coverage at a competitive price. Highly recommended!”

CG
Costel Gheorghiu
Verified Google Review

“Best cover, I recommend this broker to anyone looking for commercial or vehicle insurance in the UK.”

ND
Nicu Deordita
Verified Google Review

“Great service with very helpful staff! Everything was explained clearly and the policy was sorted out quickly.”

CA
Cosmy Aluculesei
Verified Google Review

“I had a great experience with Ecover everything was handled smoothly, professionally, and with real attention to detail. The team made the whole process easy to understand and stress free, which I really appreciated.”

IG
Ion Grigore
Verified Google Review

“Elena helped me a lot, providing all the information and support to choose the right insurances at a reasonable price for my truck. This is the 2nd year and I will carry on year by year as the service is provided same when needed.”

SH
Stefan H.
Verified Google Review

“Had a few issues with my insurance and Andrei was the best in helping out and giving me the best quote possible. If it wasn't for him, I would have to pay almost 3 times over the quote he managed to get for me. Great guy, really recommend.”

LB
Lithium Black
Verified Google Review

“Very professional and helpful people! Always available to answer queries and guide through policy options. Will work with them in the future!”

GR
George Rus
Verified Google Review

“Worked with them for a while, no complaints, helped me with everything and answered every question promptly.”

LN
Lari Nicolae
Verified Google Review

“Good services and great assistance from the brokers. Very reliable and responsive whenever needed.”

Why Clients Choose Us

6,000+
Clients Assisted
30+
Insurance and Underwriting Partners
300+
5 Star Reviews
30+
Years of Combined Experience

Insurers & Markets We Work With

We work with a broad panel of insurers, MGAs and specialist markets to find suitable cover for our clients.

Unoccupied Property Insurance Questions

Ready to Speak to a Broker?

No obligation. We compare the market for you and come back with a clear recommendation.

Call 0208 125 7662

Monday to Friday, 8am to 6:30pm

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