Empty properties carry hidden risks
Buildings left unoccupied during void periods, renovations or between tenancies face unique insurance challenges. We provide specialist cover for vacant property risks.
Who needs unoccupied property insurance?
Between Tenants
Landlords with void periods between lettings face increased risks from squatters, theft, and accidental damage. We provide seamless cover for rental gaps.
Renovation Projects
Properties undergoing renovation need specialist cover that recognises the elevated risk profile during construction work and fit-out periods.
Probate & Sale
Executors and property owners selling vacant buildings require dedicated cover that protects against liability and property damage during the sale process.
What does our cover include?
Buildings Cover
Full protection for the structure, fixtures and fittings with cover for subsidence, fire, theft, malicious damage and accidental damage.
Public Liability
Third-party cover protecting you against claims for bodily injury or property damage caused by the condition of the vacant building.
Malicious Damage & Vandalism
Enhanced protection against squatters, vandals and intentional damage to empty properties during void periods or during renovation.
Escape of Water
Cover for damage caused by burst pipes, leaks and water ingress, including costs for emergency repair and mitigation work.
Alternative Accommodation
If your property becomes uninhabitable, we provide cover for temporary accommodation costs for displaced occupants where applicable.
Legal Expenses
Access to legal support for disputes, claims defence and recovery costs, protecting your interests throughout the vacant period.
Why choose Forum for unoccupied property insurance?
Specialist Vacant Markets
We specialise in vacant and between-tenancy risks with deep expertise in the unique challenges of empty property ownership and management.
Flexible Terms
Short-term and long-term cover options tailored to your specific void period, renovation timeline or sale process — no one-size-fits-all policies.
Risk Advice
Our experienced brokers provide practical guidance on security measures, inspections and risk mitigation to keep your vacant property protected.
Claims Expertise
When claims happen, our dedicated team manages the process quickly and fairly, with genuine understanding of vacant property circumstances.
Frequently asked questions
Yes. We offer flexible short-term and long-term unoccupied property cover. Many landlords buy cover for specific void periods between lettings. Speak with our team about your timeline and we'll find the right solution.
A property is typically considered unoccupied when no person has been resident for a continuous period (usually 30-60 days depending on the policy). This includes void periods between lettings, renovation work, probate situations and properties awaiting sale.
Yes. Our policies include cover for malicious damage caused by squatters, vandals and intruders. We also provide guidance on legal remedies and security measures to prevent unauthorised occupation.
Yes. We provide specialised cover for properties undergoing renovation and refurbishment. This includes cover for the building, materials, tools and liability during construction work.
Premiums depend on property type, location, condition, security measures, length of void period and the cover required. Contact our team for a personalised quote — we'll explain the costs clearly and help you understand value.
Ready to discuss your unoccupied property cover?
Speak to a specialist broker who understands vacant property risks. No obligation, no jargon — just clear advice.