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Unoccupied property insurance is a type of insurance that provides coverage for a property that is not occupied by anyone. This might be because the property is being used as a holiday home, a second property, or because it is being rented out, but currently does not have tenants. Unoccupied property insurance typically provides coverage for damage or loss due to events such as fire, storms, and other natural disasters, as well as other perils such as theft and vandalism. Unoccupied property insurance policies may have different terms and conditions compared to regular home insurance. For example, they may require the property to be checked on periodically, or have restrictions on the length of time the property can be unoccupied before coverage ends. It is important to read the policy carefully and understand what is and isn't covered.
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