Vacant properties face unique risks. Whether it’s a rental between tenants, a home undergoing renovation, or a commercial building awaiting sale, unoccupied properties are more vulnerable to damage, theft, and legal complications. At Oak Insurance Brokers, we offer Unoccupied Property Insurance that keeps your investment protected—even when no one’s there.
We understand the worry that comes with leaving a property empty—water leaks, squatters, vandalism, or even unnoticed structural damage. Standard property insurance often excludes these scenarios, which is why a tailored unoccupied policy is essential.
With Oak, you get the reassurance of flexible, specialist cover with no unnecessary frills—just what you need to stay protected and compliant.
Standard insurance usually stops covering your property after 30 days of non-occupancy. That’s a major gap when you’re between tenants or mid-renovation.
Our cover protects against the risks that matter most when buildings are empty like break-ins, fire, water damage, and public liability claims. Short-term or long-term policies available, with flexible terms to match your situation.
What’s included:
For a quick and competitive quotation, please contact Oak Insurance Brokers:
Whether you own a single flat or a portfolio across Sussex, we help ensure no property is left exposed. Our experienced brokers work with landlords, investors, and property managers in Horsham, Crawley, and beyond, offering local insight and expert advice.
You’ll never be left navigating unclear terms or generic call centres. We take pride in offering a personal service that builds trust and long-term relationships.
Using an insurance broker when looking at getting unoccupied poprty insurance can save you time,
money and provide you with expert advice and tailored solutions.
It’s a policy that protects properties left vacant for more than 30 days. Without it, you may be left uncovered for common risks like fire or vandalism.
Yes, we provide flexible cover options from as little as 30 days, with extensions available as needed.
Absolutely. We tailor policies to suit houses, flats, offices, shops, and more.
Usually yes—such as regular inspections or securing the premises. We’ll guide you through these clearly.
We support landlords and property owners across West Sussex, including Horsham, Worthing, and Burgess Hill.
Don’t leave your property exposed, get the cover it needs, fast. Speak to Oak Insurance Brokers today for a tailored quote or to book your free consultation.
