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Unoccupied Home Insurance

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01 824 5555

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us directly. (9am-5pm
Mon-Fri)

We can provide cover solutions for 97% of vacant properties we are asked to quote for.

Unoccupied Home /Vacant Buildings Insurance

We can provide cover (min. 12 month term) for Homes/Properties that are empty due to:;

Owner / Occupier in a Nursing Home / Long Term Care
Death of the Owner / Occupier
Property is For Sale / To Let / In Probate
Property is Between Tenants
Owners moving away / abroad
New Builds – completed & read to occupy
Derelict Properties – Public/Property Owners Liability Risks only
Renovating to Let to Tenants (excludes damage caused by builders)
NOT quoting for short term policies i.e. 1-6 months duration – only for 9-12+ month cover. Short term cancellation penalties apply
NOT quoting for homes to be renovated/extended for own personal use i.e. where you will live in solely

Cover – Fire (Fire, Lightening, Explosion & Aircraft) & Public Liability / Additional Perils (Storm, Flood, Theft) option. Public Liability only option.

We have specific 12 month vacant property policies for residential, mixed use or commercial (single or multi-unit) properties including completed new builds. Policies can be cancelled mid-term if property gets sold.

Quoting for Residential / Mixed Use / Commercial / New Builds / Warehouses / Office Blocks.

Click to “Get Quote Now” and we will recommend the best insurance cover for your unoccupied property.

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Call us now (9am-5pm Mon-Fri)

01 8245555

Our Tips & Guidance on Risk Prevention

Do not make it obvious that the property is vacant / disused / unoccupied – refrain from any boarding up or leaving a padlock on the gate or other no-entry obstructions which would inadvertently make it obvious there’s nobody there.
Keep the lawns and driveway in good order – cut the grass regularly and weed the drive & flower beds. If it looks well kept, it looks like there’s someone there.
Keep a light on a timer upstairs and downstairs to come on when darkness falls and to switch off at normal bedtime
Do not leave bins or furniture outside the property unless for immediate collection
Be aware of the Unoccupied Property Conditions or Unoccupancy Clause on your policy as there will be commitments there for you to manage to ensure cover is not adversely affected
Visit the house regularly and take a look through the internal and external areas.

In some circumstances cover can be extended when the property becomes occupied by tenants to include the full range of perils including also Loss of Rent & Accidental Damage to Buildings.
Policies can be cancelled mid-term if property gets sold

The type of COVER we can provide;

Fire, Lightning, Aircraft & Explosion cover in respect of Buildings (& Contents where required)
Storm, Flood & Theft cover (where requested)
Public / Property Owners’ Liability cover limit of €6,500,000
Fire Brigade Charges
Professional Fees
Debris Removal
Interested Parties noted (Bank / Receiver / Local Authority etc.)
For larger Commercial Properties, we can arrange additional perils e.g. storm / flood / accidental damage

Why S.A. Faughnan?
S.A. Faughnan – The Vacant Property Insurance Experts. In business 40+ years.
Guaranteed Vacant Property Expertise & Advice
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Guaranteed Quote Turnaround
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Guaranteed Price to Cover competitiveness Every Time