If you aren’t sure if you need insurance or not, then you are not alone. So many…
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why do you need Unoccupied Home Insurance?
This insurance policy is necessary for anyone that has a second property but isn’t currently living in it. More specifically, nobody is living in the property, and it is totally unoccupied.
You need unoccupied home insurance because:
It protects empty properties
Empty properties are often the most vulnerable
Protect any belongings inside the house from being stolen
Regular home insurance won't cover the property in most cases
Avoid financial loss when the property is damaged
Protect your unoccupied property from weather damage
Receive coverage for storm or flood damage to your home
Receive coverage for any fire damage to your home
Get financial help if anyone is injured on your property
Get financial help if your property causes damage to other people’s property
Prevent a loss of money if your property is vandalised
Help maintain your unoccupied property until it is sold
Get help paying legal expenses to remove any squatters
Cover your asset while it undergoes long-term renovations
Unoccupied Home Insurance FAQs
Anyone that owns a property but it isn't occupied by anyone else and won't be for the foreseeable future.
Common instances include:When moving house and your old home is unoccupied before it sells When you inherit a property from a deceased relative When the property is undergoing extensive refurbishment
Yes and no. Most policies may cover an unoccupied property for 28 days. After which, you will no longer be covered, meaning you need unoccupied property insurance.
The usual coverage that you get from most home insurance policies. This mainly includes buildings and contents cover, with the option of some emergency coverage added on.
Yes, as the property could still be subjected to damages. However, if you have nothing inside the property at all, you may not need contents insurance as part of the policy.
If your rental property is unoccupied between tenants, you may need this insurance - but only if it stays unoccupied for over 28 days.
It depends on how much coverage you need and the value of your home and its contents.
It depends on the policy, so be sure to check how long the coverage will last.
No, but it can help to protect a valuable asset that's vulnerable to damages, theft and vandalism.
Absolutely! It's entirely up to you - you choose how much or how little coverage you require.
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