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Buildings Insurance For Empty Property
Unoccupied Property Insurance
Did you know that your standard home insurance won’t cover your property if it’s unoccupied for extended periods? This is because vacant properties are more prone to certain risks such as a burst pipe going unnoticed or being a target for vandalism. Maybe you’re a landlord in between tenants; if your property is empty for more than 30 days you need to contact your insurer immediately as you may not be covered. Luckily for you, East Yorkshire Insurance Brokers (EYIB) is here to sort your unoccupied property insurance!


Trusted by 250+
Local Businesses
Access To Over 300
Insurance Markets

Our Clients Rate
EYIB 4.9/5 Stars
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What Is Unoccupied Property Insurance?
What Is It?
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Why Choose EYIB For Insurance For Unoccupied Property
Why Choose EYIB


We Can Access A Huge Market
We have access to over 300 insurers across the various areas of insurance that we advise on. Therefore we’ve got the connections to get you the right policy for your vacant property.

We Have Experience
John is the founder of EYIB and has over 15 years of experience under his belt, this makes him equipped to get landlords the right unoccupied property insurance.

Local Businesses Love Us
250+ local businesses put their insurance needs in our hands; we’ve got the expertise to make sure your unoccupied building is properly protected.
Years Experience
Local Businesses Insured
Insurers
Our Insurance Partners








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Unoccupied Building Insurance Covers
What’s Included?
Building Sums Insurance
Fires can be devastating and if one starts at your vacant property, it may go unnoticed. Getting a rebuild valuation and having the correct building sums insured will cover the cost of rebuilding your property.
Property Owners’ Liability
When it comes to empty properties, you don’t always know if there’s a problem right away. A pipe bursting could cause severe damage to your building and a neighbouring property if it goes unnoticed. Property owners liability will protect your finances if you’re held liable and cover the repair costs.
Property Owners’ Liability
Contents Insurance
Due to lack of surveillance your vacant property will be more vulnerable to theft. Having contents cover included in your unoccupied house insurance policy will cover the costs of your stolen belongings, from furniture to appliances.
Property Damage
Properties that are unoccupied are more of a target for vandalism. But buildings insurance for empty property will cover the repair costs caused from malicious damage, so you can relax knowing your property is protected during untenanted periods.
Property Damage
How Much Does It Cost?
How much your unoccupied house insurance will depend on your circumstances. How much your property would cost to rebuild, the area it’s in and how long it’s been vacant for will all influence the cost of the policy. For certain unoccupied building insurance policies you may be required to have security measures in place, the letterbox to be taped shut or even the water to be turned off for the coverage to be valid. If you want to know how much your vacant property insurance will be, get in touch with EYIB for a free insurance quote.
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How Much Is Vacant Property Insurance?
How Much Does It Cost?
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Do I Need Buildings Insurance For Empty Property?
Do I Need It?
Absolutely, you need to protect yourself as a landlord, and this is especially true if you’re a landlord of a property that’s empty. Your building is more at risk when there’s nobody there to watch it 24/7 and the last thing you want is for a break in to happen and not be covered for the costly repairs. Normal landlord insurance isn’t enough. If you’re a residential or commercial landlord and your property is vacant for more than 30 days, your current policy may no longer be valid. Being in between tenants may be temporary, but you must notify your insurer as soon as possible. Don’t leave it too late by putting your asset at risk and be sure to get unoccupied house insurance for peace of mind today.



An Example Of Unoccupied Property Insurance In Action
Tim is a landlord and he’s currently in between tenants with his premises being unoccupied for 8 weeks. A pipe bursts in his building one night; since there wasn’t anybody there to notice, the water causes serious damage to his house as well as to the neighbouring property. Now Tim has to deal with repairing his house and his neighbour is seeking compensation for the damage caused to their property.
Fortunately, Tim knew that he needed unoccupied property insurance for his vacant building which included property owners’ liability. Luckily for him this covered the cost of repairing the damages to his house as well as compensation for his neighbour’s home and legal fees. If he hadn’t taken this policy out when his property became vacant, the financial repercussions would have been devastating. But thanks to unoccupied property insurance he is able to repair his building and get it ready for his next tenant to move in and start making an income again.
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Potential Claims Empty Property Insurance Will Protect You From
Unoccupied Claim Examples

Your vacant commercial property has been targeted by vandals who’ve smashed your windows. Unoccupied property insurance will cover the repair costs caused by malicious damage.
Someone breaks into your residential building and has stolen a TV and other expensive appliances. Having unoccupied house insurance in place that includes contents cover means that you don’t have to pay the costly amount to replace these belongings.
What Our Clients Think
John was amazing—friendly, patient, and full of great advice. He really took the time to understand our charity and made sure we got exactly the right insurance. Highly recommend East Yorkshire Insurance Brokers

Billy Dasein
East Marsh United
Sarah provided excellent service, taking the time to review our sums insured and ensure everything was accurate. She pointed out gaps in our cover we weren’t aware of and explained everything clearly. We feel much more confident now. Highly recommend East Yorkshire Insurance Brokers!

Connor Hewson
Assured Marketing
East Yorkshire Insurance Brokers have looked after our insurance for several years, and we’re always impressed by the great service they provide. They’re professional, reliable, and always find us a competitive deal. Couldn’t ask for better!

Jason Kay
H2MO Limited
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Meet Your Broker For Unoccupied Building Insurance
Your Dedicated Insurance Broker


John is our MD and is here to help you arrange the correct buildings insurance for empty property. When you’re a landlord your building is your asset, that’s why we understand how important it is to make sure it’s properly protected. With over 15 years of experience in the insurance industry, John knows the ins and outs of unoccupied building insurance, helping you secure the cover that you need every time. Give us a call today and get peace of mind that your vacant property is in safe hands.
What insurance do I need for an empty property?
Properties that are vacant aren’t covered under a standard home insurance policy, therefore if your property is going to be unoccupied for an extended period of time then you need to get unoccupied building insurance.
What insurance do I need for an empty property?
How long can a tenant leave a property empty?
Typically around 30 days. If your property is going to be vacant for longer than that then your current policy may not be valid and you’ll need to take out separate insurance for unoccupied property.