As seen in

Unoccupied residential property: who writes it?

Not a broker? This site is for insurance brokers. If you need cover for your business, find a broker through BIBA's Find Insurance service.

Type the risk. See every market that writes it.
Free for UK brokers. No card. No login to search.

Trade first, then the awkward bit. A couple of words works fine. No client names.↵ Enter
389 UK insurers, MGAs and Lloyd's markets mapped390+ trade appetites100% independent, no paid ranking
FCA-regulated firm (FRN 1035997)
Insurers, MGAs and Lloyd's: every market, one search

185 markets matched

For: Unoccupied residential property

Underwriter briefReady

What underwriters will focus on

Unoccupied residential property needing buildings and property owners’ liability cover. Underwriters will focus on the reason and duration of vacancy, condition, security, inspections and any works; check insured perils and water precautions.

Where to start

  1. Vasek InsuranceSpecialist residential property MGA and a strong first approach for standalone unoccupied homes.
  2. Generation InsuranceProperty-focused MGA worth approaching for specialist unoccupied residential cover rather than a broad commercial placement.
  3. Specialist market lockedAppetite fit and referral checks locked
Hard to place?
Vasek InsuranceMGAStrong fit★ Specialist appetite
Appetite
Specialist residential property MGA and a strong first approach for standalone unoccupied homes.
Check
Check vacancy duration, available perils, inspection frequency and heating or draining requirements.

PropertyBIPL

Broker site

Placed with them? Say how it went.
Generation InsuranceMGAStrong fit★ Specialist appetite
How to trade

Quote online (own portal) · Own portal: MX Online Source

Appetite
Property-focused MGA worth approaching for specialist unoccupied residential cover rather than a broad commercial placement.
Check
Confirm standalone eligibility, reason for vacancy, security requirements and any renovation restrictions.

PropertyBIPL

Placed with them? Say how it went.
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
+178 more markets locked
183 more markets + remaining specialist brief picks

See all 185 markets Free

Your name and work email. The full list and the referral notes appear on screen and stay yours. Nothing else unless you ask.

Broker-only tool. We never contact your clients, give insurance advice or write policies. We don't share your email with listed markets or sell your data.

No credit card, no subscription, free forever. Brokers only: work email, not Gmail or Hotmail. How we use your details.

As seen inFCA-regulated firm (FRN 1035997)

Market Index

See all 389 markets

UK markets that write unoccupied residential property risks

We found 185 UK markets that write unoccupied residential property risks: 47 insurers, 115 MGAs and 23 Lloyd's markets. Commonly listed: Vasek Insurance, Generation Insurance.

Top 10 markets for unoccupied residential property risks

  1. Vasek Insurance (MGA)
  2. Generation Insurance (MGA)
  3. Pen Underwriting (MGA)
  4. RSA (Insurer)
  5. Generali Global Corporate & Commercial (Insurer)
  6. Elitium Specialty (MGA)
  7. QBE (Insurer)
  8. Travelers (Insurer)
  9. Chubb (Insurer)
  10. AIG (Insurer)

Placing notes

Standard home policies usually restrict cover once a property is empty beyond a set period. Inspection frequency, draining down or isolating services, security and the reason for the vacancy all come under scrutiny.

Also known as

empty house, vacant home, void property, unoccupied dwelling

For insurers and MGAs

Claim your page Coming soon

Keep your appetite accurate. Add your logo. See how brokers rate you. Leave an email and you'll be first to hear.