Unoccupied property insurance

Tailored empty property insurance

We understand that sometimes your rental property may be vacant, perhaps before your tenants move in or between lets. Many insurance providers won’t cover empty properties, but Simply Business offers insurance from a range of insurers that can protect your buy-to-let even while it’s unoccupied.

You can create a landlord insurance policy that meets your needs, including buildings insurance, landlords’ contents insurance and property owners’ liability cover. Just let us know when your property will be empty and how long it'll be empty, and we’ll find you cover that fits.

Start a quote comparison now to find insurance for your unoccupied property.

Unoccupied property cover details

• While your house is empty, you may have to do certain things for your cover to remain valid. This could include making regular checks on the property
• Always check the excess when you buy insurance. This is the part of the claim that you have to pay
• Make sure you read and understand any exclusions to your policy. Simply Business offers you the chance to read the policy documents in full before you buy
• Remember, you may have an obligation under your tenancy agreements to purchase landlord buildings insurance
• Don't undervalue your furniture, fixtures, and fittings when purchasing contents insurance, as you may not get the right level of cover
• When you buy buildings insurance you should estimate the rebuild cost of your property rather than giving the market value, to make sure you’ve got the right level of cover

Why Simply Business

• We are the UK’s biggest business insurance provider
• All settled claims are paid within 24 hours
• 9/10 Feefo ratings say we’re good or excellent
• 800,000 customers (and counting)
• Claims are handled by an award-winning team
• Quote comparisons available from multiple insurers
• We run things from an expert, UK-based contact centre

All of this, plus expert insight and connections in our Knowledge Centre, full of tips, landlord related articles and news, videos, and podcasts to help you manage your rental.