It is an insurance policy that covers your home if you leave it empty for more than 30 days - most standard home insurance policies do not offer cover for this long.

Which is the best policy?

To find the best short term unoccupied house insurance policy, think about:

  • The buildings cover you need: Make sure you get enough insurance to cover the rebuild value of your property.

  • The contents cover you need: If you keep contents in the property, work out the replacement value of everything in case they get damaged or stolen.

  • The length of cover you need: Choose a policy that can cover you for the term you need. Most policies let you choose between 3, 6, 9 or 12 months cover.

You can cut the cost of your insurance if you remove any valuable contents from the property before you apply.

To find the best short term unoccupied policy, use our broker form to compare quotes from each insurer in this comparison.

What do you need to tell your insurer?

When you take out a policy, you need to tell your insurer:

  • How long the property will be unoccupied for

  • The condition of the property, e.g. damage to windows, doors or roof

If you do not tell the truth about the property when you apply, it may invalidate your policy meaning you will not be able to claim when you really need to.

Your insurer may also request that you do some of the following:

  • Visit the property regularly

  • Keep the heating on a timer to avoid pipes freezing or bursting

  • Turn off the mains water supply and electricity

If you are renovating the unoccupied property, always check you can get cover before you start.