Unoccupied Property

Many insurance policies for residential and commercial property stipulate that the property has to be occupied for a certain amount of time.  Unoccupied property represents a bigger risk to insurers who are worried about total loss claims such as flood and fire. 

If your property is left uninsured for longer periods of time then you risk invalidating your insurance completely.

This is why there are specailist insurance policies for landlords and european holiday home insurance.  If you need insurance for unoccupied property, make sure you check the terms and conditions of the policy, including any warranties the insurers make.