Far from standard.


Unoccupied Residential Homes

Unoccupied ImageUnoccupied is a policy designed for vacant residential homes in the UK.

It can insure both the buildings and contents from a choice of three levels of cover (from basic to full perils) and is available on short term policy periods.

The policy can provide cover for both buildings and contents and automatically includes Legal Expenses cover.

Our approach is to provide flexible underwriting for all domestic unoccupied properties in the UK.

Risks that fall into our Quote & Buy criteria can be issued online without referral to our underwriting team and our website will quote three levels of cover. Risks falling outside of our Quote & Buy criteria will be individually underwritten and whilst we will look to offer all three levels of cover, there may be certain risks which we are unable to offer all cover options.

We will also provide flexible periods of cover; 90 days, 180 days, 270 days or an annual policy. Choosing a short period policy does not restrict the client, the policy can be extended beyond the original term if required.

Cover provided for:

  • Buildings
  • Contents
  • Accidents to Domestic Employee(s)
  • Legal Liability to the Public
  • Legal Expenses

Quote request

Already an existing Plum broker? Click the button to begin your quote request online.

Get a quote

Policy Documents

View and download the Unoccupied product summary, policy summary and policy wording here


Here at Plum we’re committed to supporting UK brokers. To helping you win and retain profitable business. Unoccupied is an important part of our delivering on that commitment.

Like all our specialist home insurance products Unoccupied is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it’s supported by our responsive, top quality service. So when you choose Unoccupied, you can be confident that you are providing your clients with the competitive, tailor-made protection for their homes and treasured possessions they require.


© Copyright @ 2019 Plum Underwriting Ltd. All rights reserved.
Plum Underwriting Ltd is authorised and regulated by the Financial Conduct Authority No 309166. Registered at 50 Fenchurch Street, London, EC3M 3JY. Company number 04509589.

Powered by

Website design by Frontmedia
Our accreditations