If you are looking for unoccupied property insurance, compare a number of quotations and you may find suitable cover that is also cost-effective.

Here are some of the key issues associated with this type of cover:

  • although there may be some variation between the detail of individual policies, simple landlords insurance will typically only cover an unoccupied property for up to a maximum of around 30 days – after which period, if the property remains unoccupied, your insurance may become invalid in part or total;
  • in order to maintain a degree of insurance protection for your property, you may need to consider what is called unoccupied property cover;
  • it is important to note that typically an insurance provider of standard landlords cover will not take into account the reason why your property has sat unoccupied for more than 30 days and even if the situation has been beyond your control (e.g. building work overrunning), this requirement for additional cover may still apply:
  • different insurance providers may have different policies in this area, as is the case in standard buy to let insurance cover, therefore, for unoccupied property insurance, compare different propositions from different providers and you may find one that meets your requirements;
  • for example, some unoccupied property cover may oblige you to take certain additional security precautions while your property stands unoccupied (e.g. perhaps placing some lights on a timer switch to suggest occupation to people watching from outside) – these requirements may prove to be significantly different from one policy to another;
  • you may also find that some policies may have slightly different forms of this type of insurance, depending on how long your property sits unoccupied and whether or not it is furnished or unfurnished;
  • an occasionally encountered misconception is that this situation only applies to landlord properties, in fact, it typically applies equally to property that is owner-occupied;
  • if you would like to ensure continuity of cover to your property in such circumstances, look out for unoccupied property insurance, compare the options available and make the decision to act once you have identified a suitable solution.