What is Unoccupied Undergoing Works Insurance?

When a property is empty and undergoing renovations, standard landlord or home insurance often won’t provide cover. That’s because vacant buildings face higher risks — from theft of materials to accidental damage during works. Unoccupied Property Undergoing Renovations Insurance is a specialist policy designed to protect UK property owners during refurbishment, conversion, or major repair projects. It ensures your investment is safeguarded while the property is uninhabited and work is in progress.

How does Unoccupied Undergoing Works Insurance work?

This insurance provides flexible cover for the unique risks associated with renovation projects. Policies typically include:

• Buildings Insurance – Protection against fire, flood, storm, and accidental damage during works.
• Contents Cover – Safeguards fixtures, fittings, and materials stored on site.
• Liability Protection – Covers you if contractors, visitors, or trespassers are injured on your property.
• Flexible Terms – Short‑term or long‑term cover depending on the duration of your renovation.

If an insured event occurs — such as a fire during construction or theft of building materials — you can claim to recover costs and keep your project on track.

Why buy Unoccupied Undergoing Works Insurance?

Renovations are an investment in your property’s future, but they also bring added risks. Without specialist insurance, you could face significant financial loss if damage occurs or if liability claims arise while your property is vacant. Buying Unoccupied Property Undergoing Renovations Insurance ensures continuous protection, giving you peace of mind that your property, materials, and finances are covered throughout the project.

🏡 Specialist Renovation Cover: Designed for UK property owners, not standard homeowners.

⚡ Fast & Simple: Get insured online in minutes.

🔒 Trusted Protection: Policies backed by leading UK insurers.

💬 Expert Support: Our team helps you choose the right cover for your rental property.