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Short Term Home Insurance

3 to 12 months unoccupied home insurance, for empty and unoccupied homes and properties. Whether you're looking for short term or annual cover, for properties in the UK, Lighthouse Home Insurance can help you find competitive and instant insurance. Below are just some of the circumstances when we can help offer competitive unoccupied home insurance.

🏠 You're in the process of buying a property or you have a property awaiting sale. 

🏠 You're a landlord who is between tenants or waiting to sell.

🏠You've inherited a property from a family member and require insurance while it's empty.

🏠You're thinking of extending a holiday or planning on travelling overseas.

🏠 You're developing, redeveloping or renovating a property for residential purposes or you have a residential property that you're looking to convert for commercial purposes.

*Your information is safe with Lighthouse Home Insurance. 

Our insurance experts have countless years of insurance industry experience to help our customers find a policy that is competitive and flexible.

Levels of Cover

We offer 3 levels of cover to help you protect your home from fire, theft and damage. As a specialist home insurance provider, we can offer flexible policies that meet your individual needs.

🏠 Premium cover

Our Premium level of cover will give you complete peace of mind when leaving your property empty. Our most sought after cover will protect your home from theft, damage, escape of water, oil and of course flood. This is our best level of Unoccupied Insurance and is preferred by most of our customers. 

🏠 Standard Cover

Our Standard level of cover protects your unoccupied property from fire, lightning, earthquake, explosion, flood, storm, weight of snow, impact of subsidence, legal liability as well as lock and key cover. If you have a UK holiday or second home that is left empty during the winter, this level of cover will help to protect it during storms, floods and very bad weather. Lighthouse Home Insurance will be by your side to weather the storm and guide you through when things don't go to plan. 

🏠 Essential Cover

Our Essential package will protect your home or property from fire, lightning, earthquake and explosion. You can rely on Lighthouse Home Insurance to keep your property safe from some of the worst unforeseen circumstances.

*You should base your policy on your home's rebuild cost, not its market value. If you are unsure of the rebuild cost of your property please use the Building Cost Information Service's house rebuilding cost calculator which can be found here: http://abi.bcis.co.uk/

Vacant Property Insurance

A vacant property can be an opportunity for vandalism and criminal activity, especially in the colder and darker months, so it's important to make your insurance provider aware of the increased level of risk so that you're always protected.

Never underestimate the lengths a criminal will go to try to break into a property. Locking doors and securing windows is not always enough. By breaking a window, a criminal can easily let themselves into a home and steal valuable documents which can be used to steal your most valuable possession- your identity.  

Vandalism is also another risk when a property is left vacant for a long period of time. Broken windows, graffiti and general damage can easily occur, when nobody is at home, but with specialist unoccupied home insurance you can rest easy knowing that if this happens, Lighthouse Home Insurance will help you to put things right again. 

An increased level of risk does not necessarily mean an increase in price. If you're looking for a free no obligation vacant property insurance quote, call Lighthouse Home Insurance now and see how much you could save: