Insurance for Vacant & Unoccupied Properties
Specialist cover for residential and commercial buildings.
When a property is unoccupied — whether it’s awaiting renovation, up for sale, between tenants, or going through probate — it becomes a higher risk for insurers. Most standard property policies restrict cover or exclude major risks altogether once the property is vacant for more than 30 days.
That’s where we come in.
At Qudos Insurance we specialise in unoccupied property insurance for both residential and commercial buildings. Unlike many brokers, we can source extended cover beyond just FLEA (Fire, Lightning, Explosion, Aircraft), including theft, vandalism, escape of water, and malicious damage.
What Is Unoccupied Property Insurance?
This is a specialist policy designed to protect empty buildings that are temporarily unoccupied. Standard insurance usually becomes void or very limited after 30–60 days of vacancy. An unoccupied policy ensures your asset remains protected during this vulnerable period.
What Does It Cover?
Most policies offer tiered options, but we can help source cover for:
- Fire, Lightning, Explosion & Aircraft (FLEA)
- Theft and attempted theft
- Vandalism and malicious damage
- Escape of water or oil
- Storm or flood damage
- Squatter damage or unauthorised access
- Property Owners’ Liability
- Loss of rent (if applicable)
We also offer access to flexible inspection warranties and short-term policies (3, 6 or 12 months).
Who Needs This Cover?
- Residential landlords between tenants
- Property investors refurbishing or waiting for planning
- Executors managing probate properties
- Developers with unsold or part-completed homes
- Owners of shuttered shops, pubs or offices
- Property guardianship companies
Whether it’s empty for a month or over a year, we’ll match the policy to your needs.
Why Choose Us?
Most insurers will only cover the bare minimum for unoccupied properties — we go further. We work with underwriters who specialise in vacant property risk and understand the nuances of:
- Empty homes in probate or repossession
- Commercial units awaiting tenants or planning
- Void periods on large portfolios
- Properties under major renovation
- Situations where access, inspections, or services are limited
Extended cover options beyond FLEA
Flexible terms for short or long-term vacancy
Guidance on inspection and security requirements
Fast quotes — no long forms
Secure Cover for Your Empty Property
Don’t let your unoccupied building become a blind spot. Whether it’s a home, shop, office, or flat — we’ll help you protect it properly, affordably, and fast.
Speak to our specialist property insurance team today for a same-day quote.