Residential Short Term Unoccupied


Target Market
Our residential short term unoccupied products are suitable for residential properties that are unoccupied for the following reasons (but not limited to): pending/undergoing renovation, pending/up for sale and/or going through probate.

The period of insurance options are up to 3 months, 6 months, or 9 months.

Our residential short term unoccupied products provide insurance cover for buildings, contents, and property owners’ liability insurance. The products are not suitable for occupied properties or unoccupied commercial/industrial properties.

Canopius or Channel Syndicate 2015


  • Ideal for residential properties that are going through probate, being sold or are being renovated for owner occupation
  • Choose from 3, 6 or 9 month periods of Insurance
Insurer cover comparisonCanopius
Channel Syndicate 2015 at Lloyd's
Landlord’s Contents availableYesYes
Option to extend Property Owner’s Liability to £5,000,000NoYes
Restriction on the term of unoccupancy prior to inception5 Years3 Years
Pipe Lagging discount availableNoYes

Features & Benefits

  • Fire, Lightning, Aircraft, Explosion, Storm, Flood, Subsidence, Landslip and Heave
  • Property Owner’s Liability £2,000,000 (up to £5,000,000 on The Channel Syndicate 2015)
  • Loss of Metered Water: limit £2,500 anyone claim, maximum £5,000 anyone period of insurance
  • Loss or damage caused by emergency services - £1,000 anyone period of insurance
  • Cover available for unoccupied properties pending sale and renovation