Short-Term Unoccupied Property

Our short-term unoccupied property cover is built for those tricky vacant home scenarios your clients face. It offers flexibility. Cover can be incepted for 3, 6, or 9 months (approx. 90, 182, or 274 days) rather than a full annual policy. You can also tailor the perils covered - choose FLEE (Fire, Lightning, Explosion & Earthquake) only, exclude escape of water, or opt for full perils cover - depending on your client’s needs and budget.

This product is ideal for properties during probate, waiting to be sold, or undergoing renovations - times when a full annual policy isn’t practical.  And because it’s backed by our versatile non-standard underwriting, we can consider unusual unoccupied risks beyond the standard empty home profile. In short, you get a truly niche, specialist solution when mainstream insurers won’t assist.

The product is available on our Covernet portal.