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Unoccupied Home Insurance.

We offer bespoke Unoccupied Home Insurance designed to protect properties that are temporarily vacant, whether due to renovation, sale, probate, or extended travel.

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Our solutions

clear, transparent,
and easy to navigate

Our experienced team works closely with you to understand the specific risks associated with leaving a property unoccupied and provide tailored solutions that offer complete peace of mind.

Whether your property is empty for a few weeks or several months, we recognise that standard Home Insurance often excludes or limits cover for periods of unoccupancy .We can ensure that extended cover for unoccupancy is provided and we’ll make the process clear, transparent, and easy to navigate helping you feel confident and protected.

BESPOKE SOLUTIONS

cover that goes beyond the basics

Our High-Value Property Team offers specialist cover that reflects the unique needs of unoccupied homes. This can include protection against theft, vandalism, water damage, and liability risks, as well as flexible terms to suit your timeline.

Furthermore, our dedicated in-house Claims Team help ensure that if the unexpected happens, you’ll speak directly with people who understand your policy and priorities, not a third-party provider. Ultimately, our goal is to deliver peace of mind through expert service, personalised support, and comprehensive protection for your unoccupied property.

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Cover available

What types of unoccupied homes are covered?

We understand that standard Home Insurance often doesn’t provide the protection unoccupied properties truly require. That’s why our High-Value Home Team delivers tailored insurance solutions designed specifically for homes left vacant for extended periods, whether due to renovation, sale, travel, or seasonal use. We offer cover for a wide range of unoccupied property types, including but not limited to:

Homes awaiting sale or probate
Properties undergoing renovation or refurbishment
Holiday homes used seasonally
Rental properties between tenancies
Listed or heritage buildings
And many more

Not seeing the cover you need?

We cover a wide range of property risks, so if your specific requirement isn’t listed, our team will work with you to identify and arrange the right protection.
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Special features

What special features can be included on an unoccupied home insurance policy?

Unoccupied homes face a unique set of risks that standard Home Insurance often doesn’t cover. Whether your property is vacant due to renovation, sale, probate, or seasonal use, our Unoccupied Home Insurance policies are designed to provide comprehensive protection and peace of mind during periods when your home is left empty.

Tailored protection for homes left unoccupied for extended periods, covering risks like theft, vandalism, and weather-related damage.

Insurance during structural upgrades, refurbishments, or routine maintenance, including liability for contractors.

Rapid response for urgent issues such as burst pipes, roof damage, or break-ins, even when you’re not on-site.

Flexible terms that reflect how often the property is checked, helping to maintain cover without unnecessary restrictions.

Short-term or long-term cover options to suit your circumstances, whether the property is vacant for weeks or months.

Protection for furniture, appliances, and personal belongings left in the property during unoccupied periods.

Safeguards you against legal claims if someone is injured on your unoccupied property.

Includes garages, sheds, greenhouses, and other detached structures on the premises.

Access to expert guidance on securing your property and reducing the risk of claims.

Specialist protection for properties in areas vulnerable to extreme weather events.

Support with legal costs arising from property disputes, trespassing, or damage claims.

Why choose tysers

specialist expertise and tailored solutions

When it comes to protecting homes valued over £1m, we offer specialist expertise and tailored solutions that reflect the lifestyle and expectations of private clients. To begin with, our team understands the complexities of insuring exceptional properties, whether in the UK or overseas. As a result, you benefit from comprehensive protection, personal service, and complete peace of mind.

  • Specialist Cover for Homes Over £1m – Including listed buildings, overseas residences, and investment portfolios.
  • Access to High-Net-Worth Insurance Markets – Bespoke solutions from leading insurers with experience in complex risks.
  • High Value Contents Insurance – Protection for fine art, antiques, jewellery, and other valuable assets.
  • Valuations & Appraisals – Arranged on request with trusted insurer partners to help ensure accurate cover.
  • Preferred Supplier Network – Includes security consultants, safe installers, and surveyors with HNW expertise.
  • Confidential Personal Service – Discreet, professional support tailored to your individual needs.
  • Dedicated Client Director – Your single point of contact for advice, renewals, and ongoing support.
  • In-House Claims Team – Experienced professionals who understand your policy and act quickly when needed.
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More Info?

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DOWNLOAD OUR BROCHURE

Download our High-Net-Worth Private Clients Insurance Brochure here.