Unoccupied Property Insurance

It doesn’t matter if your property is unoccupied for one night or one year, you need the reassurance that you have all the cover you need - without paying for cover you don’t.

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We get to know you and your individual insurance needs

At Higos we know that reasons for your house being unoccupied can vary hugely, so we’re here with independent advice and bespoke cover to meet your specific needs. You may have moved house and are yet to sell your old property. You could be renovating your home but living elsewhere for a long period of time until the work’s complete. Or maybe a loved one has passed and their property is now unoccupied.

Our dedicated, expert team will get to know you, the plans you have for your property and the risks you face. With access to a wide panel of insurers from AXA to Zurich as well as niche insurers, we can then find exactly the right cover for you.

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A personal claims service you can rely on

Accidents happen and the unexpected occurs. So our personal claims team is here for you when you need to make a claim, giving you all the reassurance and support you need, when you need it most.

For a bespoke personal service and all the protection you need - without paying for cover you don’t - it has to be Higos.

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For independent advice or a personal quote

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Our Unoccupied Property cover can include

Short term policies

Increased inspection periods

Renovation and refurbishment works allowed

Theft, Escape of Water/Escape of Oil and Malicious Damage cover can be added (excluded with many insurers).

For independent advice or a personal quote

Contact us

Free mid-term review

Even if your policy isn't due for renewal now, we'd be happy to offer you a free, no obligation assessment of your current levels of cover

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