Unoccupied Property Insurance

Find insurance cover designed to protect your residential or commercial rental property, even when it’s standing empty.

Get a fast, no obligation quote today 0330 134 4564 Get a quote

Unoccupied Property Insurance 

Find vacant property insurance designed to protect your residential or commercial rental property, even when it’s standing empty.


Why Unoccupied Property Insurance is Important

As a landlord, whether residential or commercial, you’ll know it’s inevitable at times when the property is unoccupied – maybe it’s being renovated or refurbished, or you’re simply in between tenants.  But did you know that most standard landlords' insurance policies typically only cover your property when it’s unoccupied for a specified, short period of time?

So, if your property is likely to remain unoccupied for some time – whether by accident or design – you may need specialist unoccupied property insurance to make sure it remains properly protected throughout.

The right cover will depend on your circumstances, but may include unoccupied buildings insurance, contents, and a range of other covers.

Standard Cover*

  • Buildings insurance.

  • Fixed glass.

  • Loss of rent.

  • Employers liability.

  • Property owners liability.

Optional Covers

  • Legal expenses.

  • Subsidence.

  • Terrorism.

  • Accidental damage.

Call our team to receive a no obligation, instant quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Get an Unoccupied Property Insurance Quote

We’ll make finding the right vacant property insurance as easy as 1, 2, 3:

  1. Simply call us to discuss your needs.
  2. We’ll deal with insurers on your behalf, to pull together obligation-free quotes.
  3. We’ll get you set up in no time.

Terms and Conditions

* Standard cover may vary depending on the length of time your property isn’t occupied.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 


Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.


You can get a quote by telephone. On average a quote will take around 10 minutes over the phone, depending on the complexity of the business requirements.


If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.


We are open Monday to Friday, 8am until 6pm.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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Thank you again for all your help finding us a competitive and reasonable price for our property. I shall definitely be in contact again for future quotes, thank you once again, much appreciated.

Mr Ismail Patel

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