Vacant buildings insurance

We are a broker which specialises in insuring properties whether its buildings, contents or a fully comprehensive policy covering both these and your property owners liability. There are many situations when you may need to insure a vacant property, the following is just a sample:

You intend to let a property which is currently vacant
You have purchased a property which you intend to move into but is current unoccupied
You have purchased a property which you are redecorating before selling on

It is important to note any restrictions applied on your insurance policy for a vacant building since many insurers add restrictions and may not cover perils such as flood whilst the property is unoccupied. The benefit of using a broker like ourselves is that we can look around to find you a policy with comprehensive cover even when the building is vacant.

It can be a difficult task to cover the contents of a vacant building since there are increased risks such as theft and damage by flood. Obviously with no one occupying the property there is an increased chance of a flood causing damage before being noticed and a theft could be more likely with no one inside the property to warn of potential thief's.