Unoccupied Home Insurance

Protection for when you're not around.

There are several reasons why properties can become unoccupied, such as awaiting refurbishment, sale or probate. Many home insurance policies do not provide cover for properties that are unoccupied.

If you are in the process, or looking to renovate a property or even embarking on a self build project Four Counties can find specialist unoccupied home insurance policies that will provide all the cover you need. This includes liability for anyone on site, equipment cover and any on site accommodation, such as a caravan. We can arrange policies for anything from three months to two years, depending on the length of the project.

If a property becomes unoccupied after the death of the owner and the estate is in probate, Four Counties usually deal with solicitors in these circumstances, but we will of course be pleased to help relatives at this difficult time.

Ensuring peace of mind for our customers is at the heart of what we do. We understand that you do not want any nasty surprises should you ever need to claim and we also don't want to charge you for cover that you don't need. Rest assured our team of experts will work hard to find you exactly the right cover at the right price.

Get a quote from our specialist home insurance team by just giving us a call on 01223 273 118.


Exclusions and limitations apply. Our expert advisers will aim to get the most appropriate cover for your individual needs. We'll talk you through exactly what's covered and what's not, including any limits that apply when you call for a quote.

Want to protect your unoccupied home? Read our guide to reducing risk to your unoccupied home.


We Can Cover:


We can also cover log cabins, kit homes, Wimpey no-fines houses and homes with flat roofs