Vacant Property Insurance

Specialist Insurance for Unoccupied Properties

Whether your property is awaiting sale, undergoing renovation, between tenants or part of a deceased estate, standard property insurance often provides little or no cover once it becomes unoccupied.

We specialise in arranging vacant property insurance for residential and commercial buildings, helping property owners protect their investment while the property is empty. With access to both leading insurers and specialist markets, we can arrange flexible cover for a wide range of vacant properties.

Why Do You Need Vacant Property Insurance?

Many standard insurance policies restrict or withdraw cover if a property has been unoccupied for a specified period, often 30 or 60 days. Without the right insurance in place, you could be left exposed to significant financial loss if the unexpected happens.

Vacant property insurance provides protection while your property is unoccupied, giving you peace of mind until it's occupied again, sold or redevelopment is complete.

What Can Our Policies Cover?

Depending on your requirements, cover can include:

• Buildings insurance
• Property Owners' Liability
• Fire, lightning and explosion
• Storm and flood damage
• Escape of water
• Theft and malicious damage (subject to insurer acceptance)
• Accidental damage
• Subsidence (where available)

We'll explain any policy conditions, such as inspection requirements or security measures, so you know exactly what's expected throughout the period of insurance.

Cover for a Wide Range of Vacant Properties

We can arrange insurance for many types of unoccupied property, including:

• Houses awaiting sale
• Flats and apartments
• Probate properties
• Buy-to-let properties between tenants
• Commercial buildings
• Properties undergoing refurbishment
• Listed buildings
• Non-standard construction properties

If your property falls outside standard insurer criteria, we'll use our access to specialist insurers and London market providers to find the most appropriate solution.

Why Choose Us?

Vacant properties present different risks to occupied buildings, including increased exposure to vandalism, theft, escape of water and weather-related damage. We understand these risks and work with insurers who specialise in providing protection for unoccupied properties.

When you arrange your insurance through us, you'll benefit from:

• Access to specialist and mainstream insurers
• Competitive premiums
• Clear, honest advice
• Flexible cover tailored to your property
• Support throughout the policy and claims process

Our aim is to make arranging vacant property insurance straightforward while ensuring you have the right level of protection.

Get a Vacant Property Insurance Quote

Whether your property will be empty for a few weeks or several months, we're here to help you find suitable insurance at a competitive price.

Contact our team today for expert advice and a free, no-obligation vacant property insurance quotation.

Phone: 01843293614 - Email - enquiries@bridges.insure