Unoccupied home insurance will keep you covered when your home is left empty, whether short-term (typically 30 days+) or more permanently. Working with a panel of insurers offering bespoke policies, Wesleyan Financial Services can help you find the right level of protection.
Have a property that's unoccupied?
Most home insurance policies will not provide cover if the property has been left empty for 30 days* or more. Unoccupied home insurance will provide peace of mind that your home and its contents are protected when you aren't around to keep an eye on them.
Reasons you may need unoccupied home insurance include:
- Awaiting the sale of a house after moving into a new one
- The property is a holiday or second home that's left vacant when not in use
- You're going away for an extended period, longer than the 30 days covered by standard home insurance
* There are some home insurers that will automatically give up to 60 consecutive days, but more commonly it is 30. Please refer to your home insurance provider to confirm the length your property is covered for when empty.
What will your unoccupied home insurance cover?
- Storm, fire or flood damage
Damage to your home due to storm, fire or flood. - Escape of water or oil
Damage caused by a burst pipe, or a leakage of oil or water somewhere in the house. - Theft and/or attempted theft
A successful or attempted break-in that causes damage to the property and/or loss of belongings. - Vandalism
Criminal damage to your home in your absence. - Property owners liability insurance
Damage or injury caused by a property you are responsible for. For instance, a falling roof tile striking a caller to your door.
What won't your unoccupied home insurance cover?
- Unforced entry
Leaving your doors and windows unlocked or open is generally a sure-fire way to void a home insurance policy, giving access to thieves or squatters, without forcing entry. - Contractors
You might not be covered for any damage caused by contractors working on your home, as they should have their own insurance.
Wesleyan member? Get 20% of your insurance premium paid by us*
We all appreciate a helping hand, so how does a 20% discount on your unoccupied home insurance sound?
*See eligibility criteria and terms and conditions.
Important information
Things to know before you apply
Wesleyan Financial Services Limited is a broker and its insurance products are provided by a number of selected insurers.
Insurance policies can vary between our providers, so they won’t all offer the same cover. Reading the policy documents carefully before buying can help you choose the right deal for the level of coverage you require.
Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary. Risk must be acceptable to underwriters at normal term.
Other insurance products
We don’t just offer unoccupied home insurance. We also offer a wider range of insurance products that may be of use. See our list below.
Get an unoccupied home insurance quote
For cover against theft, vandalism and damage to your empty home. Complete the short form below and a member of the team will be in touch to discuss your quote.