UK Specialist Property Insurance

Unoccupied Property Insurance

Protect your holiday let, serviced accommodation, and short-term rental property with specialist Airbnb & Short-Let Landlord Insurance designed for UK property owners.

Standard landlord insurance often does not provide adequate protection for properties used as Airbnb, holiday lets, serviced accommodation, or other short-term rental arrangements. With guests frequently changing and increased occupancy risks, specialist insurance is essential.

At WS Insurance Brokers, we arrange tailored Airbnb & Short-Let Landlord Insurance designed to protect your property, rental income, and investment.

Introduction

What is Unoccupied Property Insurance?

HMO Landlord Insurance is specialist cover designed for landlords who rent properties to multiple unrelated tenants under a House in Multiple Occupation arrangement.

HMO properties typically have higher tenant turnover, increased wear and tear, and greater liability exposures compared to standard residential rentals. As a result, specialist insurance is often required to ensure the property is adequately protected.

This insurance can help cover your building, landlord contents, rental income, and liability risks associated with operating an HMO property.

Who we cover

Who Needs This Cover?

This insurance may be suitable for:

Homeowners with vacant properties

Property investors

Landlords between tenants

Probate estate properties

Renovation properties

Second homes left unoccupied

Property developers

Relocating homeowners

Empty commercial property owners

Banks and mortgage lenders

Property management companies

Housing associations

What it covers

Why Choose WS Insurance Brokers?

Specialist Unoccupied Property Expertise

We understand the unique risks associated with managing multi-occupancy properties.

Tailored Insurance Solutions

Policies designed around property type, vacancy duration, and intended use.

Independent UK Insurance Brokers

Access to specialist insurers covering unoccupied properties.

FCA Regulated Brokerage

Trusted UK-regulated insurance advice and support.

Fast & Competitive Quotes

Efficient quotation process with competitive premium options.

Dedicated Advisor Support

Personal service from experienced property insurance specialists.
Our Process

A simple 5-step process

From first enquiry to active cover — our specialists handle everything for you.
1

Tell Us About Your Property

Provide details about the property, location, condition, and reason for vacancy.
2

Risk Assessment

We assess risks including security, maintenance, and length of unoccupancy.
3

Compare Insurance Markets

We search specialist UK insurers to identify suitable cover options.
4

Receive Tailored Quotes

Get competitive quotations designed around your unoccupied property.
5

Activate Your Cover

Once approved, your policy is arranged so your property remains protected.

Why choose us

Why Unoccupied Properties Need Specialist Insurance

Vacant properties face increased risks, including:

Theft and vandalism

Fire and smoke damage

Escape of water or plumbing issues

Undetected maintenance problems

Squatter occupancy

Storm and weather damage

Delayed repairs and worsening damage

Liability risks to visitors or trespassers

Without specialist cover, many standard policies may restrict or exclude claims after a property has been vacant for a certain period.
Real-world scenarios

Claims Scenarios

Water Leak Damage

A burst pipe goes undetected in a vacant property, causing extensive internal damage.

Vandalism Incident

An unoccupied home is broken into and vandalised, requiring repairs and security upgrades.

Fire Damage

An electrical fault causes a fire in a vacant property, leading to significant reconstruction costs.

Liability Claim

Severe weather damages the roof of an empty property, allowing water ingress and internal damage.
Reviews

What our clients say

4.9/5 from 600+ reviews
 
 
 
Common Questions

Frequently Asked Questions

It is specialist insurance designed for properties that are empty for a period of time.
Most insurers define it as being vacant for 30–90 consecutive days depending on the policy.
Because standard home or landlord insurance may restrict or exclude cover after a property becomes vacant.
Yes, policies can include protection against vandalism, theft, and malicious damage.
Yes, specialist cover is available for renovation and refurbishment properties.

Protect Your Empty Property Today

Get tailored Unoccupied Property Insurance with WS Insurance Brokers.
Whether your property is vacant due to sale, renovation, probate, or tenant changeover, we can help protect your asset with specialist insurance designed for unoccupied buildings.