Unoccupied - Unoccupied Residential Homes (ROI)

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


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 ROI.

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

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Policy Documents

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

Here at Plum we’re committed to supporting ROI 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.

A Quote & Buy solution for unoccupied homes in the Republic of Ireland.

Five good reasons to choose Unoccupied:

Service - Plum has been voted an Insurance Times ‘Top 5’ personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required.

Cover - Unoccupied is based on a Lloyd's of London approved home insurance policy.  You can choose Unoccupied for your clients with confidence.

Flexibility - Our experienced underwriters are able to offer terms on a whole range of non standard landlords risks that other insurers are unable to help with.

Security - Underwriting capacity for Unoccupied is provided by Lloyd's of London, the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor's respectively.

Expertise - Plum has been providing specialist home insurance products to ROI brokers for over a decade. Unoccupied is further evidence of our strong commitment to backing brokers.

Cover can be provided from a choice of 3 levels, on a policy wording based on the Lloyd's of London approved home insurance policy.

The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.

Buildings & Contents Standard Cover

Cover Bronze Silver Gold
Fire, lightning, explosion or earthquake
Aircraft and other flying devices or items dropped from them
Subsidence or heave of the site on which the buildings stand or landslip
Storm, flood or weight of snow
Collision by any vehicle or animal
Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts (buildings only)
Falling trees, telegraph poles or lamp-posts
Escape of water from or frost damage to fixed water tanks, apparatus or pipes (limited to €7,500)
Escape of oil from a fixed domestic oil-fired heating installation or smoke damage caused by a fault in any fixed domestic heating installation (limited to €7,500)
Theft or attempted theft (limited to €7,500)
Any person taking part in a riot, violent disorder, strike, labour disturbance, civil commotion or acting maliciously (limited to €7,500)

Buildings Additional Cover (automatically included)

Cover Bronze Silver Gold
Accidental Damage to Fixtures & Fittings
Accidental Damage to services
Professional Fees & Expenses
Sale of the Property
Replacement Locks (limited to €2,500)
Unauthorised use of Electricity Gas or Water (limited to €2,500)
Garden, Plants & Shrubs (limited to €1,000, €250 per plant, tree or shrub) ✔  ✔ 
Fire Brigade Charges (limited to €2,000) ✔  ✔ 
Loss of Metered Water (limited to €1,000)
Trace & Access (limited to €5,000)
Loss of Oil (limited to €1,000)
Damage by Emergency Services (limited to €1,000)
Security Expenses (limited to €5,000)

Contents Additional Cover (automatically included)

Cover Bronze Silver Gold
Replacement Locks (limited to €2,500)
Loss of Metered Water (limited to €1,000)
Loss of Oil (limited to €1,000)

A fair, efficient, customer friendly claims service.

We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.

We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.

In safe hands

We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.


As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here

Contact us

Get in touch with one of our experienced team to find a competitive insurance solution that suits you.

Sarah Watson
01638 596396