Unoccupied properties carry unique risks, and ensuring the right insurance is in place is essential. At Jensten Underwriting, we provide quick and easy instant quotes for Unoccupied Residential Property Owners risks online, offering competitive rates and point‑of‑sale documentation so you can deliver cover that meets your clients’ needs with confidence.
While insurance is a vital safeguard, proactive steps can significantly reduce the likelihood of damage or loss. Below, we’ve outlined practical measures property owners can take to help protect their unoccupied buildings.
Keep the Exterior Tidy
A well‑maintained exterior helps create the impression that a property is regularly visited. Simple actions such as trimming hedges, cutting the grass and clearing pathways can deter unwanted attention and reduce the risk of vandalism.
Move Bins and Outdoor Items
Bins left near windows or fences can be used as climbing aids. Moving them into a secure area or away from access points makes it harder for intruders to gain entry.
Use Timed Lighting
Setting internal lights on timers can help create the appearance of occupancy. Even small signs of activity can discourage opportunistic intruders.
Manage Water Systems
Unoccupied properties are particularly vulnerable to escape‑of‑water claims. To reduce the risk:
- Ensure pipes are insulated and protected
- If the property will be empty for an extended period, drain down water systems where appropriate
- If pipes run through the loft, leaving the hatch open can help warm air circulate
Always check your policy conditions to ensure you meet any winterisation or inspection requirements.
Prevent Post Build‑Up
Accumulated mail is a clear sign that a property is empty and can also pose a fire risk. Arrange for the post to be collected regularly or redirected.
Check Utilities
If utilities remain connected, ensure they are safe and monitored. If they are not required, consider turning them off to reduce the risk of leaks, electrical faults or gas issues.
Schedule Regular Inspections
Most insurers require unoccupied properties to be inspected at set intervals, with records kept. Regular visits help identify issues early, such as leaks, storm damage or attempted break‑ins, allowing repairs to be carried out before problems escalate.
We’re here to help
Unoccupied properties can be challenging to insure, but our online platform makes the process straightforward. With instant quotes, competitive pricing and documentation available at point of sale, Jensten Underwriting helps you deliver the right cover quickly and efficiently.
If you’d like to discuss a risk, need support with a referral or want to explore how we can help you to place more unoccupied property business, our team is ready to assist.
Get a Unoccupied Property Owners quote:
If you have any questions regarding our appetite please visit out Unoccipied Property Owners page or email the team on propertyowners@jensten.co.uk or call them on 0344 880 0290
