Unoccupied Property Insurance

If you or your designated are unable to visit your property entirely as a result during the current period of government-enforced self-isolation/lockdown of Covid-19, and you have taken reasonable steps to try to protect the property, the unoccupied property inspection element of your policy may be suspended. Please contact us to confirm.

Yes, you can add cover for home emergencies to your property insurance policy.

• Three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property
• Extend to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations
• Access to a 24-hour helpline and network of reliable UK tradespeople

Please talk to your Towergate adviser for details.

Yes, commercial properties which are left unoccupied can be considered for cover. This is a slightly different policy and may become commercial property insurance depending on the circumstances, but call the team and talk us through your needs and we'll try and help any way we can.

You will likely need unoccupied property insurance if your property is going to be unoccupied for a period of 30 days or more. If you are unsure whether you need unoccupied property insurance, please call us for advice. 

See our unoccupied property guide to learn more.

Most providers will not insure or may reduce cover for properties which are left unoccupied for more than 30 days at a time. Cover from insurers who specifically deal with unoccupied properties is catered towards risks particularly common when a building is left vacant.

Yes. We can arrange instant cover. You can do this over the phone or online.

For your buildings you need to take into consideration not only the cost of rebuilding the main property but also any outbuildings, swimming pools, boundary walls etc. The value should include solicitor and surveyor fees and demolition costs. With your contents you need to consider all household goods and personal property within your unoccupied property and how much you would have to pay to replace them as new. We make a deduction for wear and tear for clothing and linen in the event of a claim.

Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries, please don't hesitate to contact the customer services team on 0344 0344 736 8232.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

All policies can be paid for by either debit or credit card. 12-month policies also have a direct debit option available.