Unoccupied Residential Property

For Solicitors  - Probate - Executors - Power of Attorney

Having the responsibility of organising someone else's estate or affairs after they have passed away or moved into care can be challenging and time consuming, with lots of questions you may not know the answers to.

You are likely to find the existing property insurer will increase the premium and excess, restrict the cover to Fire, Lightning, Explosion and Aircraft damage only and insist on weekly or fortnightly inspections.

​​​​Our unoccupied residential property scheme, which is only available to solicitors and companies working within the probate sector, offers a quick and simple product that provides one of the widest covers available.

The questions are kept to a minimum, so by answering just 4 pieces of

information about the property we can provide a quick response.

  • Post code

  • Number of bedrooms

  • Property type

  • Approximate year of build

The policy guarantees to cover every residential property in the UK,

upto seven bedrooms and there are NO inspection requirements and

NO excess to pay in the event of a claim.

To safeguard against under-insurance the buildings are automatically

insured for £1m as standard and contents cover of £10,000 is provided free

of charge.

Cover highlights

  • Full perils cover, including accidental damage, fire, lightning, storm, flood, escape, of water, theft, malicious damage, subsidence, etc

  • Damage to underground services for pipes, cables and sewers

  • Trace and access

  • Additional expenses for Architects, Engineers and Professional Fees

  • Debris removal

  • Landscaped gardens

  • Fly tipping

  • CCTV systems

  • £5,000,000 Property Owners Liability Cover

  • £5,000,000 Legal Liability as Occupier Cover

  • No excess

  • No inspection conditions

To obtain a quotation, please click the quote button and submit the information to one of our team.






TEL: 0191 5650222


Northern Risk Solutions is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 305140.   You may check this on the Financial Services Register by visiting the FCA's website, or by contacting the FCA on 0800 111 6768 


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