Unoccupied Home
In the event that your home or other property becomes unoccupied for an extended period of time, standard buildings insurance may not cover the property. Specialist unoccupied property or unoccupied home insurance can cover your property during these periods of vacancy, protecting you from loss and damage…
This cover is ideal for unoccupied or empty properties undergoing renovation or refurbishment, awaiting probate, sale or occupation, or left vacant while the owner is at a second property, abroad, hospitalised or taken into care.
Adler Fairways can arrange insurance for almost any property, from residential to commercial, even if it is not of standard construction. We have flexible policies starting from 90 days, which we can tailor to your needs.
Main policy features *
Cover usually features:
- Fire, explosion, lightning and earthquake
- Smoke damage, vandalism, storm and flood, theft and attempted theft
- Escape of water
- Protection against vandalism
- Cover for damage caused by water or subsidence
- Contents cover up to £20,000
- Theft from garages and outbuildings up to £500
- Up to £2m property owners liability
- Cover whilst renovations are ongoing, including decorating, installing new plumbing, central heating, alterations to non-load-bearing walls, extensions and re-wiring.
Typical policy exclusions:
- The first £250 of each claim
- The first £1,000 of each claim for subsidence, heave and landslips
- The first £1,000 of each claim for escape of water (unless the heating is left on, in which case the excess is increased to £2,500)
- The property must be in a good state of repair
- Properties should not be boarded up and should appear tidy from the outside
- All properties must have key window locks and
5-lever mortise deadlocks - Major works, such as extensions and structural repairs. Roofing can be considered for limited perils only
- Damage caused by contractors, who should have their own insurance.
* This information is a general guide only. Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs. As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you. We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
Words from our clients…
"Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future."
"Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them."
"We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade."
"We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand."
"The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".
"As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession."
"The Adler Fairways team has been an invaluable partner to our digital out-of-home (DOOH) advertising business, particularly during times when we needed their support, expertise and advice. Their exceptional responsiveness and commitment have truly set them apart.
In our industry, where we manage a network of digital displays and complex advertising campaigns, the risk landscape is unique and often unpredictable. Whether it’s damage to equipment, public liability, motor or unforeseen technical issues, Adler Fairways has consistently provided us with bespoke insurance policies that give us confidence in our coverage.
Whatever our needs are, Adler Fairways are always there to guide us every step of the way and the team handles everything with remarkable efficiency, providing clear communication and expert advice throughout the process. The personal touch and attention to detail they always provide makes sometimes stressful situations much easier to navigate."
