If a property you are responsible for is left unoccupied for more than 30 days, whether it's a gap in tenancy, being renovated, in probate or intestate, or even going through the conveyancing process, it's likely that cover may be restricted on a standard home insurance policy.
Trying to find insurance cover for an unoccupied property can be a minefield of restrictive covers and a list of terms and conditions that you must undertake. Some insurers put in place stringent terms (“Unoccupied Building Conditions”) which must be enforced before they will provide cover. For example, draining down the water systems, switching off the utilities, weekly documented visits, installing certain locks, sealing up letterboxes, etc. Failure to comply could lead to a claim being turned down.
For most standard-construction properties that have been unoccupied for less than 12 months, and are under £500k in rebuild value, you can choose which, if any, conditions you want to include. This is why our cover for properties that have been unoccupied for less than 12 months is possibly the most flexible solution available.