Unoccupied and probate home insurance for solicitors
Request a quote for an unoccupied property or call us on 0800 316 9842
Our Cover
Unoccupied property insurance for solicitors
It is common for a standard property insurer to restrict cover when a property becomes unoccupied after a specified period. Our solution is geared towards insuring unoccupied properties, or occupied properties in probate. We work alongside hundreds of solicitor firms each year and have been insuring residential and small unoccupied commercial properties, for them and their clients, for over 20 years.
Our services can support you and your clients
- Probate solicitors, deputies, attorneys, surveyors, conveyancers
- Anyone with the responsibility for a property where there is a period of unoccupancy
- Family members where they have been appointed as a deputy or attorney for relatives who have been taken into care
- We cover small commercial properties, and unoccupied properties that form part of an estate in probate
Designed with unoccupied properties in mind
Trying to find insurance cover for a property that is going through probate, trust or power of attorney (whether unoccupied or still occupied) can be a minefield of restrictive covers and a list of terms and conditions that you must undertake. Some insurers put in place stringent terms (“Unoccupied Building Conditions”) which must be enforced before they will provide cover. For example, draining down the water systems, switching off the utilities, weekly documented visits, installing certain locks, sealing up letterboxes, etc. Failure to comply could lead to a claim being turned down.
For most standard-construction properties that have been unoccupied for less than 12 months, and are under £500k in rebuild value, you can choose which, if any, conditions you want to include. This is why our cover for properties that have been unoccupied for less than 12 months is possibly the most flexible solution available.
Our services can support you and your clients
Our in-depth knowledge across the property market spans over 20 years serving the insurance requirements of our partners and thousands of professionals and direct customers, delivering great service and value for money. To learn more about our product and services, you can download our brochure below.
Covers available for Leasehold and Freehold properties
If you’re wondering what our Unoccupied Property insurance includes, then we’ve answered a few questions here!
Freehold owned in its entirety
We can offer buildings and contents cover
Leasehold
We can offer contents cover
Freehold-Flat or Apartments
If the cover is only for a part of the building (e.g. block of flats, apartment etc.) – we can offer contents cover
whats included
We can cover damage to your insured property caused by:
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Accidental damage and malicious damage
Essential protection for your property
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Theft and attempted theft
What does theft and attempted theft insurance cover?
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£5million property owners' liability
£2million if insuring land only
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Escape of water or oil
Including water from a plumbing or heating system
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Fallen trees
Do you have a dangerous tree?
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Storm, flood, fire and subsidence
Protection against unforeseen events
More benefits of our Unoccupied Property insurance
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Damage to locks following theft, attempted theft or loss of keys
Maximum £5,000 per claim and £15,000 per policy period
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Tree felling or lopping
Maximum £500 per claim (£2,500 in any one period)
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Fly-tipping
Found unwanted rubbish at your property?
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Finding the source of a leak
Up to £5,000 per policy period
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Breakage of glass
Includes boarding up costs.
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24 hour helpline
We're here to help
Key features
With over 20 years' experience, we understand the needs of solicitors, homeowners, conveyancers and more. To ensure we cover a variety of eventualities we have spoken to our customers, partners, and solicitors to ensure we include features for a wide range of unoccupied property situations. We understand that every property is different, requiring its own specific policy.
Flexible policy terms
Cover that gives you flexibility with policy terms of 1, 3, 6, 9 and 12 months available.
No inspections
For most residential properties, recently unoccupied, you can choose cover to exclude regular, documented property visits.
Non-standard construction
We understand that properties come in all shapes and sizes, which is why cover is available for many non-standard construction types including most timber-framed, pre-fabricated, flat-roof and other building types.
Wide range of cover
Whilst other insurance policies can look to limit the cover available for your property at a time when you need the cover most, we provide a wide range of covers for your unoccupied property.
Variety of circumstances
We can cover most circumstances from properties going through probate, deputyship and power of attorney, to extended holidays and secondments and gaps in tenant residency.
Contents cover
Whilst unoccupied properties are at increased risk of vandalism, theft or access by squatters, we can still provide contents cover alongside your building cover.
Security discount
Our pricing for your unoccupied property insurance cover will automatically include a discount covering the different levels of security in operation at your property.
Your policy document explorer
For customers incepted on, or after 24th February 2020, click below to access your policy wording. For customers incepted before 24th February, please contact us.