• Unoccupied Property Insurance

    comprehensive cover | good rates | fast & efficient service

No one wants to give me unoccupied property insurance?

Many insurers find unoccupied property insurance undesirable, however with our many contacts we can place this business at very competitive rates. It doesn't matter whether you have a commercial property or a residential one, Bromwall can find a solution.

Empty property? Get the right cover.

Do you have a vacant property which is awaiting sale or probate? Or perhaps you have had to move out due to the property being extended or refurbished? Whatever the reason, it is vital to insure an unoccupied property in case something goes wrong. Could you afford to pay for damages if the property was targeted by thieves or vandals? What would happen if the property was destroyed by flood or fire?

Although you may already have property insurance in place, your existing policy is likely to be inadequate. The majority of insurers will not cover a property if it is left unoccupied for over 30 consecutive days. If you were to make a claim on your standard insurance, it is unlikely that your policy will respond. If your existing home insurer does agree to insure your property whilst it is empty, they would most certainly restrict the cover, so it's wise to obtain specialist cover from Bromwall for buildings and contents if you were intending to leave the property unoccupied for a length of time.

Never be tempted to leave things - in the event of a claim, you will find you have no cover at all!

Things to consider when obtaining unoccupied property insurance:

Security. Insurers will want to see a good level of physical security (good locks, maybe an alarm, shutters, etc). Remember - the risk of vandalism and arson is massively increased once a property becomes unoccupied. Bromwall will provide help and advice. Insurers like to see that the property is in a good state of repair. Insurers will also strongly recommend that you remove all valuables from the property, set the heating to the frost setting during the winter to avoid burst pipes, drain the water system and ensure that you or perhaps a relative inspects the property regularly.

Property owners liability. This is essential but often overlooked. You are responsible if someone is injured on the property or something falls from the roof, etc. This should be included on your unoccupied property insurance policy.

Cover can in some cases be limited to FLEA (Fire, Lighting, Explosion and Aircraft). You must be aware the level of cover you have on your unoccupied property insurance.

Terrorism cover. This should be considered on all policies. It is NOT standard cover. If you have a loan or mortgage secured on the property, your bank may insist on cover being in place.

Why choose Bromwall?

Savings can be shown on large property portfolios and together with our unique presentations, you will be able to easily understand and be in control of your insurance requirements.

As unoccupied properties are, by their nature a non-standard insurance risk, we will ensure that the policy that we offer you is tailored especially for your situation. The staff at Bromwall have a high degree of knowledge in this field and know which schemes offer the best options for an unoccupied property.

Get in touch and we'll be happy to discuss your unoccupied property requirements or queries. We also look at all types of property owners insurance including student let, DSS or professional let property insurance.

Unoccupied Property Insurance

For unoccupied property insurance please contact David Walton
01707 883 377 | info@bromwall.com

What our customers say...

  • I’d just like to convey my thanks for the excellent job, it is so refreshing to find a company that is genuinely passionate about its customers.

    John Grainge | Islington, London

  • Bromwall and especially David have been so helpful and supportive – always making the effort to contact me and ensure I was fully informed and, had completed all the necessary steps in the process.

    Paul Bridgewater | PB Systems, Leeds

  • I have yet to find another insurance broker, in my years dealing with the top names in the industry, who offers Bromwall’s personal service, professionalism & expertise. I would happily recommend Bromwall to everyone who has high net worth and complex business insurance requirements.

    Louise Daniels | Lion Enterprise, Manchester

  • For a variety of both motor and household briefs as well as for demanding professional activities, Bromwall Ltd have consistently delivered the most competitive quotations to us, along with a very personal and exacting service. We would not hesitate in fully recommending Bromwall for any matter relating to insurance.

    Dom Turner | Fizz IT, Norwich