Protecting Your Property When It’s Unoccupied

There are many reasons a property might be left unoccupied. You may be renovating, awaiting tenants, handling the estate of a family member who has passed away, or have already moved out while waiting to move into your new home.

Whatever the reason, an empty property comes with its own set of risks — and standard home insurance often won’t provide cover while it’s vacant. That’s where specialist unoccupied property insurance comes in.

Why Unoccupied Property Insurance Matters

An unoccupied home is more vulnerable than an occupied one. Without daily supervision, issues like leaks, vandalism, or break-ins can go unnoticed and lead to significant damage or loss.

Most regular home insurance policies have time limits — typically 30 to 60 days — after which cover becomes restricted or invalid. Unoccupied property insurance ensures your building and contents remain protected, even when no one is living there.

What This Type of Policy Covers

Unoccupied property insurance can be tailored to suit your circumstances. It typically includes:

  • Protection against fire, flood, and storm damage

  • Cover for theft, vandalism, or malicious damage

  • Public liability cover in case someone is injured on your property

  • Flexible duration options, whether the property is empty for weeks or several months

Some policies can even include limited cover for renovation works, depending on the extent of the project.

How Power Insurances Can Help

At Power Insurances, we understand that every property and situation is unique. With over 25 years of experience, our team helps homeowners, landlords, and executors find the right protection for their vacant properties.

We’ll guide you through:

  • Choosing the right level of cover

  • Understanding policy terms and conditions

  • Ensuring compliance with property security requirements

  • Comparing quotes from leading Irish insurers

Our goal is to make sure your property is protected — even when it’s empty.

What You Should Do

If your property will be unoccupied for any length of time, don’t leave it uninsured.

Take a few simple steps today to protect your investment:

  • Assess how long your property will be empty

  • Contact Power Insurances for professional advice

  • Find a policy tailored to your situation

Even when no one’s home, your property deserves the same level of protection and peace of mind as when it’s occupied.

Get in touch with us today to discuss how unoccupied property insurance can protect your home and give you complete peace of mind.