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The Importance of Unoccupied Property Insurance

Did you know? Most home insurance policies will not cover a property if it’s unoccupied for more than 30 days. This is due to the likelihood of risks and problems arising the longer a property is left unoccupied.

However, it’s not all doom and gloom! At Eastside, we have put our heads together and created a list of checkpoints you should look out for when taking out unoccupied property insurance – if you look out for them, you’ll save yourself a headache!


You’ll want a policy that covers:

Public Liability

Any damage that your property could cause (for example, a roof tile falling on top of a car parked on the street).

Storm, Flood, or Fire Damage

If a natural disaster happens while you’re away, your empty property will be covered.

Legal Expenses

Any potential legal fees will be covered if you encounter issues such as squatters, trespassers, or identity theft.

Escape of Water or Oil
If a pipe bursts or a sudden leak appears on the property, the expense will be covered.


If any criminal damage occurs on the property while it’s unoccupied.


If your property is broken into and your belongings are stolen, you won’t have to cover the cost if you have the correct policy.


When you’re looking for insurance policies that cover unoccupied properties, some providers may offer a few of these options, but levels of cover will vary. If you have an empty property, and you’re unsure about the cover that you require, Eastside Insurance can help!

With over 30 years’ experience in dealing with unoccupied property insurance, and with access to a wide variety of insurers, we are able to offer a flexible and competitive range of policies that will suit your needs.

Contact us today for more information!









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