Understanding Public Liability Insurance for Holiday Lets
21 March 2025
As a holiday let owner, ensuring your property is covered against potential risks is essential. While you may focus on providing a fantastic stay for
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Unoccupied property insurance provides specialised coverage for properties that remain empty for more than 30 days. Standard home insurance policies often exclude or restrict cover for unoccupied properties due to the increased risk of damage or theft. Whether your property is awaiting sale, undergoing probate, or simply vacant for an extended period, this type of insurance ensures you remain protected.
At Policy Powerhouse, we offer flexible, cost-effective insurance solutions tailored to your needs, with policy terms of 3, 6, or 12 months. Our experienced advisors help you find the right policy to match your requirements. Get a quote today to ensure your property is fully protected.
A property can become unoccupied for many reasons, increasing the risk of damage or theft. You may need unoccupied property insurance if you have moved out while waiting for a sale, if the property is in probate after the owner’s passing, or if renovation work prevents it from being lived in. Landlords with vacant periods between tenants may also require specialist cover. Many mortgage lenders insist on this type of insurance when a property is empty for over 30 days, making it essential for protecting your investment.
With over 30 years of experience, Policy Powerhouse specialises in insuring unoccupied properties that don’t fit standard policies. Our bespoke cover, backed by top-rated insurers and a trusted claims service, ensures your property remains protected under the right policy for your circumstances.
Unlike automated services, our experienced advisors take the time to understand your needs. Whether your property is awaiting sale, being renovated, or anything in-between, we provide expert guidance and a policy that offers the right level of protection for your specific situation.
The cost of insuring an unoccupied property depends on several factors, including its type, value, location, security measures, and the reason for it being empty. At Policy Powerhouse, we provide tailored quotes based on your specific circumstances. Our experienced insurance advisors ensure you receive the right level of cover at a competitive price, giving you peace of mind while your property remains unoccupied.
At Policy Powerhouse, our unoccupied property insurance provides comprehensive protection, including:
Optional additional cover includes:
The level of cover depends on your property’s requirements and your budget. Our policies protect against common risks such as:
It’s always better to be safe and fully covered in the event that something goes wrong. This ensures you and your guests are covered for any damages that occur on the property and means that you can continue to earn money from your holiday let property even if it can’t operate as intended. If unoccupied property insurance is not what you’re looking for, we do also provide airbnb property insurance, commercial insurance and non standard construction insurance.
Secure peace of mind with Policy Powerhouse – get your quote today and ensure your unoccupied property is properly covered. Protect Your Investment with Policy Powerhouse.
We can insure private and commercial property that becomes unoccupied for different reasons, including:
There are many different types of cover available depending upon your requirements and how much you are happy to spend on your policy. The typical types of cover available include:
Cover is available for 3, 6 or 12 months.
A quotation is valid for 30 days from the date of issue.
Unoccupied properties generally carry higher risks, which can make insurance premiums slightly higher than standard home insurance. However, at Policy Powerhouse, we offer competitive rates tailored to your circumstances.
An unoccupied property is furnished but not lived in, whereas a vacant property is completely empty. Some insurers treat these differently, so it’s important to check your policy.
Standard home insurance policies often exclude cover for properties left empty for more than 30 days. Informing your insurer ensures you have the appropriate protection in place.
You can reduce your premium by improving security measures, such as installing alarms, securing doors and windows, and regularly inspecting the property.
Most standard insurance policies assume the property is occupied. When a property is left empty for an extended period, the risk of damage and theft increases, requiring a specialist policy.
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