Unoccupied property insurance

For properties being renovated or those empty between tenancies

Protection for empty residential and commercial properties

Unoccupied property insurance is designed to give landlords and property owners peace of mind when a property is empty for longer than a regular policy will allow. Whether you’re renovating, between tenants, or facing an unexpected vacancy this cover can provide a layer of protection. 

What cover could be included in an unoccupied property insurance policy?

Buildings cover

Buildings insurance can cover the cost of repairs or even rebuilding your property if it is severely damaged. Whether it’s a burst pipe causing water damage or a fallen tree damaging the roof, buildings insurance can help make sure you’re not left facing big repair bills to pay. 

Property owner’s liability

As a property owner, you may have a legal responsibility for the safety of your tenants and any visitors. If someone is injured on your property or grounds due to your negligence, they could choose to take legal action against you. Property owner's liability insurance helps protect you against these types of claims.  


An optional cover that can protect your property from unexpected damage caused by the ground moving beneath it. Subsidence can be caused by several factors, but the results are similar: cracks in walls, uneven floors, and potential structural instability. Subsidence cover could pay for investigating the cause of movement, stabilising the foundation if necessary and repairing damage to the property structure.  

Insure your unoccupied properties today

We simplify insurance for landlords with unoccupied properties, from large portfolios to single residential or commercial buildings. We can search for options to meet your landlord needs, giving you more time to get back to running your property portfolio. 

To get a quote, we’ll need to know:  

- The reason the property is vacant 

- How long the property will be empty 

- Any security measures you have in place  

- What the long-term plan for the property is 

Get covered, pay flexibly

Need unoccupied property insurance right away? We can arrange cover the same day, with documentation usually provided the next working day.  

We also offer you a flexible payments options to suit you, from full payment by debit card, credit card or BACs transfer to instalments by Direct Debit. 

Speak to one of our business insurance team today to discuss your property requirements. 

We put your property insurance needs first, so you can choose a policy that works for you. 

Speak to one of our business insurance team today to discuss your property requirements. 

Buy-to-let property

Property portfolio

Landlord insurance

Why choose Clear Business for finding your business insurance?

We can compare prices from a panel of different insurers, so you don't have to. 

Up to £5 million of cover

Claims can be expensive, that’s why we source insurance that offers up to £5 million worth of public liability cover, with more available upon request.

Simple, specific cover

To help save you both time and money. We compare prices from a panel of different insurers, so you don’t have to. Giving you back more time to run your business. 

A team that knows your industry

We're business insurance specialists, so we know how important it is to understand your unique requirements.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to help make the claims process as quick and stress free as possible.  

No mid term fees

We don’t charge any mid-term fees at all during the life of your policy. No cancellation fees from us either.  

Clear Business Insurance

Simple. Fast. Affordable.

Services simplified

Be prepared for unexpected events with business insurance through Clear Business.

Looking to take out a policy?  Our team will discuss your business needs with you and compare personalised quotes from a number of major UK insurance providers. You'll be presented with policy options that ensure you only pay for the cover you need. Simple. 

Get in touch today and get protected

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