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High net worth insurance consultants Call 01202 440350 to talk with a consultant • Mon to Fri: 9:00 to 17:30
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Unoccupied & Renovation Insurance

Specialist insurance for empty properties and homes undergoing renovation - built to handle the risks others won’t.

Get a Quote Or call 01202 440350 for a consultation with one of our account managers

Coverage

Tailored policies for unoccupied homes, properties mid-renovation, and non-standard occupancy situations.

Expertise

We understand the elevated risks of vacancy, construction, and structural change - and how to insure them properly.

Service

Responsive, UK-based support that guides you through planning, risk management, and claims - with clarity at every step.

We are extremely proud of our reputation and customer feedback - independently verified by Feefo.com

Specialist Cover for Homes in Transition or Transformation

Comprehensive Coverage for Unoccupied and Renovation Properties

At Eagle Oak Insurance, we recognise that properties may remain unoccupied for various reasons, including awaiting sale, undergoing renovations, or during probate proceedings. Regardless of the circumstance, we offer tailored insurance solutions to ensure your property is comprehensively protected during these periods.

When your property’s in transition, we’re constant

Empty homes and renovation sites need specific cover – not just a watered-down version of standard insurance. We create bespoke solutions that adapt to your timelines and plans.

Cover for projects large and small

Whether you’re modernising a single room or carrying out a full-scale structural overhaul, we provide insurance that covers works in progress – and the space around them.

Minimizing risk, maximizing peace of mind

We offer flexible terms and practical guidance to keep your property compliant, secure, and covered – even if plans change.

What’s Covered?

Unoccupied and under-construction homes face unique exposures - but with the right insurance, you stay in control.

  • Buildings cover during vacancy or renovation, including damage caused by weather, vandalism, or escape of water.
  • Public liability cover, should anyone be injured on-site during works or inspections.
  • Flexible occupancy terms, allowing for short-term lets, caretaker arrangements, or project delays
Get a Quote Or call 01202 440350 for a consultation with one of our account managers

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Copyright Eagle Oak Insurance 2026

Eagle Oak Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. FCA reference number: 1033703. Registered Office: 864 Christchurch Road, Bournemouth, Dorset, BH7 6DQ, United Kingdom. Registered in England. Registration number: 15962675.