Things to know While Buying an Empty Property Insurance

Empty properties can attract uninvited troubles like a magnet. Thus, it is mandatory to have a protective shield over them that comes in the form of empty property insurance. Such insurance policies provide a protective cover to those properties that lie unoccupied by their owners for long. It is slightly different from the standard home insurance policies and is purchased for properties that have been empty for more than two months.

Buying such a policy for empty houses is mandatory because it makes the owner eligible to file a claim if any mishap or damages occur on their property that has been left unattended for more than sixty days. So, if you are planning to purchase empty property insurance, it can turn out to be a wise decision. However, before you go ahead, you need to know a few things when buying empty property insurance. In this guide, we are going to discuss the same.

What should you know when buying empty property insurance?

Home insurance is not enough

Home insurance is not the same for unoccupied properties. If you have a notion that buying regular home insurance is enough, then you are sadly mistaken. Regular home insurance is not enough to cover a property that has been left unoccupied for quite a long time. For such properties, you need to have empty property insurance that can cover vacant properties in all aspects.

Check out the clauses

If you have purchased an insurance policy for your empty house, then make sure you check out all the clauses mentioned on the same. At first, learn and research the term unoccupied and accordingly make sure that you satisfy all the conditions.

Pay regular visits

Yes, empty property insurance does insure a property that lies unattended, but it doesn’t mean you can leave it such forever. You should visit your property at least 4-5 times per year to keep a check on damages and other potential threats to the property. If you show carelessness in visiting your property and your property accrues damages over time, you do not stand eligible to file a claim, and your insurance is considered void. Hence, make sure you visit your empty house whenever possible because it helps keep your insurance valid.

Unoccupied property insurance can be costly

Home insurance for an empty property is comparatively costlier than regular home insurance, but it is mandatory when you have an empty house or property. One can consider researching the market to find insurers who can offer the best prices and pick on one that best satisfies your budget frame and offers you feasible rates.

You can even switch to a standard policy

If you have an unoccupied property and plan to occupy the property anytime soon, then you will be happy to know that you can even make a switch to hold a regular home insurance policy. And, the process is also quite easy and can be accomplished by contacting your insurer without much hassle.


Prevention is better than cure is a true saying in all aspects, even when you plan to buy home insurance for an empty property. Buying empty property insurance for unoccupied property is quite a sensible decision that homeowners with vacant properties should take. We hope this guide helps you understand the basics about what you can expect and what you should consider while buying an unoccupied home insurance policy.