Unoccupied Property Insurance


Owning an unoccupied building can pose serious liabilities because unoccupied buildings are more susceptible to vandalism, undetected repairs, fire and other losses. If you own unoccupied property, it is advisable to purchase Unoccupied Property Insurance, also known as Unoccupied Building Insurance to protect against risks.


– Lightning damage
– Explosion
– Windstorm or hail damage
– Smoke damage
– Theft and attempted theft
– Riot or civil commotion damage
– Escape of water
– Subsidence
– Vandalism (no one is present to deter vandals)
– Malicious mischief on the property and general property destruction

Insurance Solutions Under most policies, Unoccupied Property Insurance can provide protection if your building goes unoccupied for thirty days, but bespoke arrangements can be made.

You may also be able to choose the length of cover (3, 6, 9 or 12 months) to ensure that you are only paying for what you need. It also protects against liabilities in the event someone is injured on your property and claims damages. It may also be a viable option if the property is in the process of being sold or if it is under construction and is uninhabitable.
Depending on your policy, there may be certain conditions that must be met in order for a claim to be covered, such as specific lock requirements and security devices fitted throughout the property. Inspire Insurance Services will make sure that you know all limitations and requirements of your Unoccupied Property Insurance policy.

In addition to purchasing cover for an unoccupied building, take the following actions:

– Regularly inspect the property for damage or threats of damage
– Make sure you have window locks and 5-lever mortise deadlocks to secure the property
– Install alarm systems that are triggered by intruders, fires or floods
– Remove all valuables
– Switch off utilities

We understand that unfavourable incidents can occur, but Unoccupied Property Insurance can provide necessary protection. Contact us today at 02476 99 89 24 for more details.

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Vision & Core



As dedicated insurance brokers we assist many high level businesses, regardless of industry, in arranging tailored insurance packages based on specific requirements.



We take pride in providing a quality level of service you can depend on and come to expect from an award winning insurance specialist.



Our knowledge and experience in the insurance industry allows us to find the best cost effective insurance policy from hundreds of insurers while still complying to our strict insurer criteria.

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As dedicated insurance brokers we assist many high level businesses, regardless of industry, in arranging tailored insurance packages based on specific requirements.

Our knowledgeable staff have over 100 years combined experience in the insurance industry, which has allowed us to provide an expert service to all our clients since we began trading. Our company is unique in the fact that all our brokers aim to secure the best deal as part of a bespoke insurance package for both commercial and private clients. Through our consultation process we come to understand the requirements of each individual and create a package that truly protects the client against any present or future risks.

Unoccupied Property Insurance