contact us for Landlord Insurance 0800 4701881 Monday - Friday, 8.30am - 6pm
Saturday 9am - 1pm
❄ Christmas Opening Times ❄
Insurance that makes you feel secure
contact us for Landlord Insurance 0800 4701881 Monday - Friday, 8.30am - 6pm
Saturday 9am - 1pm
❄ Christmas Opening Times ❄

Unoccupied Home Insurance

Specialist Unoccupied home insurance for properties in the UK.

  • Short Term Policies 3, 6, 9 or 12 months

  • Homes Awaiting Sale or Under Renovation

  • Properties which will remain Unoccupied for the foreseeable future

Arrange cover today or speak to one of our advisers.

contact us Call us

0800 4701881

Monday - Friday, 8.30am - 6pm
Saturday 9am - 1pm

Unoccupied Home Insurance

If you own a property that is unoccupied it is very important that you have the correct type of insurance cover, as most home insurance policies will not provide cover if a property has been unoccupied for a short period of time.

Unoccupied insurance is similar to normal home insurance but allows for a property to be permanently unoccupied. We are able to arrange short term policies so you only need to pay for the cover that you require.

Hassle free claims

The last thing you want when making an insurance claim is a load of bureaucracy. We strongly believe that all claims should be completely hassle free whenever possible. We also appreciate and understand that incidents giving rise to a claim do not always occur between 9am and 5pm Monday to Friday. Exactly for that reason is why our claims line is open 24 hours per day, 365 days per year - giving you complete peace of mind when taking out a policy with i4me.

Incidentally when making a claim we always encourage our policy holders to take photos of the damage that has occurred. As the saying goes ‘a picture is worth a thousand words’ and a good photo in our opinion will always speed up the processing of any claim.

Buildings Cover

The Home including, tennis courts, swimming pools, drives, paths, patios and terraces, walls, gates and fences, fixed fuel tanks and attached solar panels.

Choosing Your Building Sum Insured

The full cost of rebuilding the buildings in the same form, style and condition plus an amount for professional fees and debris removal costs.


Household goods within the home and radio and television aerials and satellite dishes attached to the home.

Choosing Your Contents Sum Insured

Your contents must be insured for the full cost of replacement as new. It is very important that your sums insured are correct at all times.

Proportionate Remedy (Applies to both Buildings & Contents)

If your sums insured are not adequate, then insurers will proportionally reduce the amount of any claim payment made by the percentage of under insurance.

Cover Options

We can offer 3 levels of cover for unoccupied properties

  • Fire Lightning, Earthquake and Explosion
  • Standard Cover EXCLUDING Escape of Water
  • Standard Cover INCLUDING Escape of Water

Generous Unoccupied Terms

Our policies have a 30 day inspection requirement. Where escape of water cover is included during the period 01 November to 31 March the heating needs to be maintained at 12 degrees Celsius or the water turned off at the mains with the system drained.

Standard Policy Excesses & Voluntary Excesses

The Standard Policy Excess is £250 which applies for most claims, other than subsidence, heave or landslip (where included) the excess is £1,000. A Voluntary Policy Excess can be selected to reduce the premium.

Policy Duration

We understand that if your property is empty you may not require cover for 12 months, this is why we offer 3, 6, 9 or 12 month policies.

i4me specialises in arranging cover for unoccupied and residential property. The roots of the i4me insurance schemes can be traced back to 1985. Because of our vast past experience we have been granted one of the highest levels of underwriting authority from our scheme insurers. Notably we can assist in arranging cover for properties that have even had past problems with flood or subsidence.

Our quote and buy website will enable you get your unoccupied home fully insured within minutes. We however also appreciate that some people prefer to talk to someone directly concerning a particular requirement. In this regard we welcome calls to our office where an experienced member of our team will be pleased to guide you through your cover options and arrange cover for you should you wish.

We love to chat. Give us a call.

Arranging insurance can be a daunting experience.

Sometimes you just want make a cup of tea, sit down and talk. To have someone clearly explain your choices, offer guidance and not feel rushed. We think that's important too. Which is why we love talking to and getting to know our customers.

So whether it's to arrange cover, check a particular detail or to discuss a renewal - get it touch.

0800 4701881