Unoccupied Home Insurance
You need top protection when you're not around and your property is empty for extended periods of time.
36 Reviews
36 Reviews
Who is unoccupied home insurance suitable for?
If you own a property that is currently unoccupied or will be empty for an extended period – whether due to renovation, sale, inheritance, or vacancy between tenants – you need specialized insurance that protects your property against unique risks. Our unoccupied home insurance provides comprehensive coverage tailored to address the specific challenges and potential vulnerabilities of properties that are not actively lived in in Ireland.
What is unoccupied home insurance ?
Unoccupied Home Insurance policy is when a property is vacant for more than 30 days. In addition, it must not be used as a holiday home. Moreover, finding cover can be difficult and costly. Indeed, there are insurers that would not insure a home in such circumstances. This is mainly due to the potential liability exposure, acts of vandalism or fire. There are several situations where you need Unoccupied Home Insurance such as:
- The owner of a property may have passed away
- The owner could be taken into residential care
- The owner is a landlord who is having difficulties in filling the property with tenant(s)
- The owner wants to sell the house and has no intention living in it
- The owner is moving away or emigrating for a long period of time (typically several years)
- The property has just been built and is ready for occupancy in the near future
At Top Insure, our dedicated team of qualified advisers are at hand to discuss any issues that you may have regarding the above, and will strive to get you the best deal possible whilst taking your specific circumstances for cover into account.
Protecting you from potential financial losses and liabilities
Fire damage
Explosion damage
Lightening damage
Storm damage
Fire brigade charges
Owners liability
Just like every unoccupied home is unique, every property insurance policy is unique and these are just some of the options that can be protected under a home policy you take out through Top Insure.
Benefits of unoccupied home insurance with Top Insure
Comprehensive property insurance policies backed by our expert advice, personal support, and local market knowledge to ensure you're fully protected.
Exactly What You Need, Nothing You Don't
Protect what matters most without wasting money, giving you peace of mind that your unique home and lifestyle are perfectly safeguarded.
Cutting Through the Confusion
Save time, avoid costly mistakes, and feel confident knowing a local expert is navigating the complex insurance landscape on your behalf.
Claims Support That Fights for You
When disaster strikes, you'll have an advocate fighting to get your life back to normal quickly and completely, turning a potential nightmare into a manageable process.
Questions about unoccupied home insurance you didn't think to ask!
Truth is, you might have alot more questions and our experts can answer them all.
What is unoccupied home insurance?
Unoccupied home insurance provides coverage for properties that are left vacant for an extended period, typically more than 30-60 days. Standard home insurance policies often exclude cover for unoccupied homes due to increased risks, such as theft, vandalism, or unnoticed damage.
Why do I need unoccupied home insurance?
Leaving a home unoccupied increases the risk of issues like break-ins, water damage, or structural problems that might go unnoticed. Unoccupied home insurance ensures your property is protected during these periods, whether it’s due to renovations, long holidays, or awaiting sale.
What does unoccupied home insurance cover?
Coverage typically includes protection against theft, vandalism, fire, storms, and water damage. However, some policies may have limitations, so it’s essential to review the terms carefully or work with a broker to find the right policy for your needs.
Are there any requirements for unoccupied home insurance?
Yes, insurers may require certain precautions, such as ensuring the property is regularly inspected, securing windows and doors, draining water systems during winter, or maintaining heating at a minimum temperature to prevent freezing.
Can I get unoccupied home insurance for a long-term vacancy?
Yes, many insurers offer policies tailored to long-term unoccupied properties. Coverage can typically be arranged for periods of 3, 6, or 12 months, and policies can often be renewed if needed. A broker can help find a policy that matches your timeline.
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We've been helping clients find the best home insurance for almost 10 years.
