Unoccupied Property


Insurance for property owners across Devon, Cornwall and the UK.

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Why do you need unoccupied property insurance?

Unoccupied property insurance is a specific type of insurance policy for when your premises or your home is left unoccupied for longer than your regular policy allows (usually 30 days). With a specific unoccupied policy, you can leave the property vacant until your policy ends.

Most standard home insurance providers will not provide cover during periods of vacancy, or if the property is left unoccupied for any reason. With specialist empty property insurance, you can rest assured that your property is covered whilst not in use.

There will be times when your home or business premises may be unoccupied, whether through renovation, refurbishment, a second or holiday home, between tenants, an extended business trip, or for, business properties, when first purchased, seeking a new tenant. Standard insurance policies typically only over your property when unoccupied for a specific, short period of time.

In the event of a claim, not having the correct policy in place could be very costly. We can help you choose the right insurance products to cover your business needs and requirements. From business buildings insurance through to landlords’ contents insurance and property owners’ liability cover.

What does insuring an unoccupied premises protect you against?

Unoccupied premises insurance can protect me against:

  • Damage caused by nature such as floods or storms
  • Fire
  • Burst pipes
  • Vandalism
  • Theft
  • Squatters

There are likely to be some things to bear in mind with any unoccupied property insurance policy:

  • There may be conditions to your cover, such as to make regular checks on the property whilst it is empty.
  • It is important to check and understand the excess on your insurance (this is the part of the claim that you pay).
  • Some policies may have exclusions, so it is important that you fully understand the policy documents and wording.
  • Suitable contents insurance can cover the cost of replacing furniture, fittings and fixtures.

How much does unoccupied property insurance cost?

An empty house or business premises can attract unwanted attention from, for example, vandals or squatters, making it a much higher risk than those which have people in and out of them all the time, so it can often be more costly, but a sensible precaution. Factors that affect the cost of unoccupied property insurance include:

  • The property’s value – The more expensive the property, the more it will cost to repair or rebuild, so it will be more expensive to insure.
  • Your level of cover – You may require a higher level of cover, but we can assist you with this.
  • The property’s location – If your property is located in an area that is at risk of flooding, or theft, the risk is higher and therefore may be more expensive to insure.
  • The property’s security – An unoccupied property is at a higher risk of theft. With additional security features in place to prevent or deter this, your insurance cost may also be reduced.

Why choose LMB Insurance Services?

  • A multi award-winning insurance broker based in beautiful Plymouth, Devon
  • We pride ourselves on our exceptional customer service
  • We deliver affordable and comprehensive insurance policies to suit your individual needs
  • We are committed to only offering high quality products, primarily from leading insurance companies
  • We believe in transparency and always act in the best interests of our clients
  • We are here to provide personal service, you will never be put through to a call centre.


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LMB insurance Services Ltd - Property Insurance & Business insurance PlymouthExcellentLMB insurance Services Ltd - Property Insurance & Business insurance Plymouth5.0 Based on 25 reviews fromSee all reviews review us onIan McGregorIan McGregor ★★★★★ Great, friendly service and an extremely good quotation. Will definitely use againHector HuttonHector Hutton ★★★★★ Excellent knowledgable and prompt service. Highly recommendedJennifer ThorntonJennifer Thornton ★★★★★ Luke was quick, efficient & a good price, what more could you want?! Thank you Luke!Ollie RainbirdOllie Rainbird ★★★★★ Thorough, reliable and always happy to help, even at short notice.paul mackiepaul mackie ★★★★★ How refreshing to have a local insurance business offering a very personal and competitive service.I and other friends have been using LMB for many years and have seen its growth . This success is due to the continued effort to provide a tailored and personal service, often going over and above any expectations.We will continue to work with LMB in the future.Ben WoodBen Wood ★★★★★ Luke has been with us since the start of our property investment journey and I can't speak highly enough of the quick, high quality service & support he provides. He's managed to customise policies to satisfy specific Lender requirements on multiple occasions. Look no further for your Insurance requirements and lock in the services of LMB.Josh GardnerJosh Gardner ★★★★★ Great company and Luke is a pleasure to deal. Quick with quotes and great contact to have for insurance.Monica PalMonica Pal ★★★★★ Highly recommend LMB Insurance. I was amazed at their responsiveness and price compared to other insurers. Pretty much sorted my insurance overnight. Provided great advice particularly for a complex deal and told me where to go for better deals which was very impressive. 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He has a great deal of expertise and can always advise me on the correct product for the business.Lucy & Steph IngramLucy & Steph Ingram ★★★★★ Luke's work ethic, professionalism and communication skills are hugely impressive and we consider him and the crew at LMB a vital part of our business and team.James BakerJames Baker ★★★★★ Fantastic service and would highly recommend. As a property developer I will certainly be switching to this company!Charles DougallCharles Dougall ★★★★★ I have used Luke for a number of years now to insure several properties and couldn’t recommend him highly enough. Working in the property industry myself, I have explored most insurers available to me, and LMB have always been able to find the most suitable products on the market.Always competitively priced with the right cover, and the service throughout the process could not be smoother. Luke is extremely efficient from start to finish, and has provided me with exactly what I’ve needed promptly, becoming someone I can count on from flipping houses, to rental properties, to personal home insurance.Going the extra mile is something not everyone can or will do for you, whereas Luke has always worked tirelessly to help me develop my portfolio, and completely taken the strain off insuring my properties. A great guy to work with, and someone you count on for an exemplary service for all your insurance needs. Thank you Luke!Claire RadleyClaire Radley ★★★★★ Absolutely superb service, second to none!Sam BarrettSam Barrett ★★★★★ Excellent service, friendly & helpful. Highly recommended.Thank you 😀Jason VokesJason Vokes ★★★★★ We can highly recommend LB Insurance. 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Luke will do anything to help out and bend over backwards at any point of the day to answer any questions great and friendly communicational skills, would recommend to anyone!AdrianAdrian ★★★★★ Luke’s enthusiasm, depth of knowledge and work ethic are second to none.He’s managed to save me thousands over the past year and I know he’s always at the end of the phone should I need anything.I have no hesitation in recommending him to friends and colleagues.Vince RossonVince Rosson ★★★★★ Excellent Service and Great Understanding on what was Requiredjs_loader

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