Unoccupied landlord insurance

This is strongly advised if you’re aware any or all of your properties are likely to remain unoccupied for the maximum length of time stated in your standard landlord insurance policy.

Nobody can account for the unexpected, whether that’s damage to the property or a tenant unexpectedly moving out, so ensuring your rental is protected while empty should be a priority.

An unoccupied property insurance policy, like most insurance, is valid for a year, then will be up for renewal. We also offer, 3-, 6-, or 9-month policies. Our dedicated team at PML will make sure to keep in touch so no dates are missed!

Yes, you do – this is the time to gain the benefit and protection of landlord insurance for an unoccupied house – especially if you’re approaching the vacant limit specified on your general landlord’s insurance, or there’s a chance this could go on for a longer time.

An empty property is one that’s at risk of damage or there may be liability to the public, so insure it now to keep yourself protected. We offer a range of cover and policy lengths for landlords with empty property.

We do this incrementally at first, adding each property to a portfolio as and when they come up for renewal. You’ll initially pay a pro-rata premium as and when you add them. Then, at the end of the year, when all your current properties are in the portfolio, you’ll have just the one new portfolio renewal price. It’s that simple.

Yes, if you know your property won’t be empty for long, we’re happy to offer shorter-term unoccupied property insurance cover. Our specialist team can advise you on this.

It’s very important to have short-term buildings insurance for unoccupied properties.

Yes, you can. We never want you to be spending money when you don’t need to! So long as you haven’t claimed during the time you’ve held the unoccupied landlord insurance policy, here at Protect My Let we offer a pro-rata refund for the time remaining from when you cancel.

We’d advise a number of measures for security and safety:

• As landlord, make regular inspections yourself, or get a property manager to do this on your behalf if you are some distance away
• If you haven’t done so already, install motion-operated lights and alarms
• Maintain any fire protection systems
• Make sure heating is off or low, pipes are not frozen up in the winter, and all electrical appliances are unplugged or switched off
• Secure all access points

Find out more about protecting your empty property and guidelines for when your let property is unoccupied.

Yes, at PML we can provide legal expenses for up to £100,000 at no extra cost.*

• Limit of indemnity (per claim) £100,000
• Legal defence
• Recovery of rent arrears
• Repossession of residential property
• Property disputes
• Property damage, nuisance, and trespass

*Please note this is available at no extra charge if you take out a policy with MS Amlin. We have a panel of thirteen insurers, most of which offer cover for legal expenses.

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