Standard home insurance policies usually specify that you or your tenant may risk being unable to claim if you leave the property unoccupied for more than thirty to sixty days.
With insurance for unoccupied properties, the length of time that your property can be vacant really varies from insurer to insurer. Once you’ve chosen your coverage and policy, the period of time you’re covered for will be in your schedule.
How long your home can be covered while vacant can also depend on the reason for needing unoccupied home insurance.
For example, if you are leaving your home for an extended holiday, then you will have in mind the exact period of time you’ll be gone for. Yet landlords who need vacant property insurance while waiting for their next tenant may not know exactly how long their home will be empty but might need a short-term policy.
As a rule of thumb, we generally advise that if your home will be vacant for 30 to 60 days or more, this specialist home insurance policy would benefit you more should the worst happen.