What Is Unoccupied Property Insurance?
Standard home insurance typically doesn’t provide full cover if your property is left vacant for more than 30 days. That’s where unoccupied property insurance steps in. It’s specially designed for homes or commercial buildings that are temporarily empty.
This policy keeps your property protected against common risks like fire, flood, vandalism, and squatters—so you’re not left exposed.
Whether you're renovating, between tenants, or awaiting probate, we’ll make sure your property stays protected.


When Might You Need It?
Our cover is ideal for properties that are:
Undergoing renovation or refurbishment
Awaiting sale or probate
Between tenants in a rental agreement
Used as a second home and left empty for long periods
Owned by landlords or investors awaiting new occupancy
Whether it's a residential home or commercial unit, we tailor cover to suit the situation.
What Does Unoccupied Property Insurance Cover?
Buildings Insurance
Covers structural damage from fire, flood, storm, and escape of water
Contents Insurance
Optional cover for any items left in the property
Vandalism & Theft Cover
Protection even when the property is vacant
Public Liability Insurance
If someone is injured on your premises
Malicious Damage & Squatter Cover
Available as an optional extension
Flexible Terms
Choose 3, 6, or 12-month policies to suit your timeline
Renovation Cover
Optional cover during light or major building work
Why Choose Crowthorne For Unoccupied Property Insurance?
Cover tailored for renovations, probate, sales, and lets
Flexible short-term and long-term options
Experienced team who understands complex property situations
Support through claims and renewals
Fast, Tailored, and Complete Insurance
Quick Contact
Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.
Tailored Insurance Review
Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.
Finalise Your Cover
Explore your options and select the policy that best matches your requirements and budget.

Independent Insurance Broker

UK Based Support

Tailored Quotes

FCA Regulated & Trusted














Let’s Talk Insurance On Your Terms
We know insurance can feel complicated and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.
Guaranteed callback within 30 mins
Honest advice from our experts
Insurance that is tailored to you
Simply fill in the form today and a member of our team will be in touch.
“I didn’t know standard insurance wouldn’t cover an empty house—thankfully Crowthorne did.” They helped me sort cover fast while I sorted probate, without any hidden fees. Easy, clear, and exactly what I needed.
Client
“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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