New data from niche lines insurance group Atec shows annual quotations for unoccupied property insurance were almost 500% higher in 2025 than five years earlier, highlighting a significant shift in how property owners are managing risk during extended periods of vacancy.

According to Atec’s proprietary figures, sales of unoccupied property insurance have doubled since 2022, with policy volumes growing by an average of 30% year on year between 2020 and 2025.

Thanks The majority of customers opted for longer-term cover, with 70% choosing 12 month policies, 20% selecting six month cover and 10% taking three month policies.

Atec said the increase in demand reflects wider pressures in the housing market. government council tax data shows the number of long-term empty homes has reached its highest level for more than a decade, as properties take longer to sell, refurbishments become more expensive and probate cases extend vacancy periods.

The insurer said unoccupied property insurance is moving beyond its traditional role as a specialist product. Its data shows 75% of brokers now view unoccupied homes as a key area for growth, as more clients require cover that falls outside the scope of standard home and landlord policies.

Atec’s broking arm, Ceta, provides access to standard and non-standard property insurance through its Infinity platform and general insurance panels. Ceta said it is the only wholesale provider of non-standard insurance offering three, six and 12 month cover options specifically for unoccupied properties.

Brendan Devine, chief executive at Atec, said: “Our data tells a compelling story. What was once considered a niche insurance product is becoming increasingly mainstream as property owners face longer periods of vacancy due to sluggish market conditions, high renovation costs, complex probate situations, and longer landlord void periods.

“However, most standard home and landlord insurance policies still only protect properties when unoccupied for 30 to 60 days. Beyond this window, property owners face significant exposure to risks including theft, escape of water, and malicious damage.”

Devine said a lack of awareness remained a key issue for property owners.

“Many property owners don’t realise their standard policy is inadequate until they attempt to file a claim. Intermediaries with access to flexible, A rated, non-standard cover are better placed to proactively discuss unoccupied property insurance with clients and offer them a choice of appropriate cover options, thereby differentiating themselves as trusted advisors whilst protecting clients from genuine financial risk.”