Trust Wesleyan Financial Services to find the right cover for you.
- Short-term, long-term and permanent cover, from a panel of leading insurers
- Protection against storms, floods, fires, oil and water leaks
- Includes theft, vandalism and public liability insurance
- Eligible Wesleyan members get 20% off*
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Unoccupied shouldn't mean unprotected...
An unoccupied home is often at greater risk of theft, vandalism and damage from accidents. That’s why standard home insurance typically won’t cover an empty property for more than 30 or 60 days. But unoccupied home insurance is designed for just that.
Whether you’re a landlord in-between tenants or have moved out of a home you’re looking to sell, our insurance providers offer policies for all types of scenarios and properties.
As a broker, Wesleyan Financial Services can advise you on the level of protection that’s right for you. And once we have a clear idea of your needs, we’ll find you a bespoke policy from our panel of leading insurers.
What's covered
- Natural disasters
- Burst pipes and leaks
- Theft
- Vandalism
- Public liability insurance
For damage to your home that’s caused by a fire, flood or storm.
For damage caused by a leakage of water or oil somewhere in the house.
If someone successfully or unsuccessfully breaks into your home and steals your belongings.
Protects you from any criminal damage to your home.
Covers you for any damage that you’re responsible for. For example, if a roof tile on your property falls and breaks a car window.
What's not covered
Insurance can’t cover you for everything. Your claim may be rejected for:
- Unforced entry
- Contractors
If you leave your doors and windows unlocked or open, you’re providing thieves and squatters with easy access to your home. Insurance can only cover you for forced entry.
If you’ve hired contractors to work on your home while it’s unoccupied, you might not be covered for any damage they cause. Generally, contractors should have their own insurance that will cover the damage.
Already a Wesleyan member? Save 20% on insurance
Enjoy all-round protection at a lower cost. Get 20% off your unoccupied home insurance as a member of Wesleyan.
* See eligibility criteria and terms and conditions.
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A guide to insuring your unoccupied home
If you’re not sure whether unoccupied home insurance is right for you, our guide to insuring an unoccupied home may help. We explain more about the risks to empty homes and what to consider before taking out insurance.
Important information
Things to know before you apply
Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary. Risk must be acceptable to underwriters at normal terms.
Key documents
Wesleyan Financial Services is a broker and its insurance products are provided by a number of insurers.
Terms of Business PDF (287KB)
A list of companies and products we offer PDF (108KB)Frequently asked questions
As a broker, we search our selected providers to find the right cover for your needs. How much you can expect to pay will depend on a few factors, such as:
- The length of time your house is unoccupied
- The location of the property
- The value and condition of the property
- The level of cover you choose
When you come to us to get a quote, we'll provide you with a range of options that match your needs.
Unoccupied simply means the property is vacant as nobody is currently residing in it.
Most standard home insurance policies will cover your home if it’s unoccupied for up to 30 days. You can check your policy for full details on how this works.
If you know your property will be vacant for longer than this, then you should consider taking out unoccupied home insurance. This means you’ll be protected against theft, vandalism, natural disasters and more while your property is empty.
Your home might become unoccupied if you decide to travel for an extended period of time, you’re in the process of making home improvements or you’re selling your property.
If you have a rental home, you may be in-between tenants or have chosen to take a break from letting. Alternatively, you may have recently inherited a property and are looking for insurance while it remains vacant.
Unoccupied home insurance is suitable for all these scenarios and more.
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Get a quote
Complete the short form below and a member of the team will call you as soon as possible.*
Already have an unoccupied home insurance policy with us? Existing customers should contact us here.
* Opening hours are Monday-Friday 9am-5pm.