What counts as an unoccupied property?

When it comes to insurance, an unoccupied property is a property that no-one is currently living in, and potentially has been left empty for a prolonged period of time. Different insurers will have different allowances for how long a property can be left unoccupied for under a home insurance policy - most insurers will allow between 30 and 90 days unoccupancy.

If your property is unoccupied and you reach the maximum period of unoccupancy allowed by your home or landlord insurance policy, but the property is still not habitable or hasn’t yet been sold, then you may need to take out specialist unoccupied home insurance to cover the increased risk of your property being left empty.