What is Residential Unoccupied Landlords Insurance?

An unoccupied property can be more vulnerable than one that’s lived in.

Whether you’re between tenants, renovating, or waiting to sell, your building is at greater risk of damage, theft, or vandalism. Standard landlord insurance often won’t cover long periods of vacancy — that’s where Just In Case comes in.

Our Unoccupied Property Owners Insurance is designed for UK landlords who need specialist cover when their residential property is empty.

Specialist Cover: Provides protection when your property is vacant due to

renovations, probate, sale delays, or long absences

How does  Residential Unoccupied Landlords Insurance work?

• Limited Standard Cover: Most home or landlord insurance policies exclude properties left empty beyond 30–60 days.
• Higher Risk of Theft & Vandalism: Empty homes are more attractive to burglars and vandals.
• Unnoticed Damage: Issues like burst pipes, leaks, or storm damage can go undetected and worsen without occupants.
• Legal & Financial Exposure: As the property owner, you remain liable for accidents or injuries on site, even if no one lives there.

✅ What’s Covered

• Buildings Insurance – Protection against fire, flood, storm, and accidental damage. * terms and conditions apply whilst the property is unoccupied
• Contents Insurance – Cover for fixtures, fittings, and any items left inside.* terms and conditions apply whilst the property is unoccupied
• Liability Protection – Safeguards you if someone is injured on your premises.
• Flexible Terms – Short‑term or long‑term cover depending on how long your property is empty.
• Optional Add‑Ons – Tailor your policy with extras such as legal expenses or malicious damage cover.

Why buy Residential Unoccupied Landlords Insurance?

Buying unoccupied property insurance ensures continuous protection for your investment during vacant periods.

Without it, you risk significant financial loss if damage occurs or if a claim is made while your property is uninsured. It’s not just about peace of mind — it’s about avoiding gaps in cover that could leave you with costly repairs or legal bills

🏡 Specialist Cover for unoccupied residential properties.

⚡ 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.