My wife owns a flat which is generally rented out. The tenants have moved out, and it will not be occupied for a few months because it needs some work done. She informed the insurance brokers that it was now unoccupied, and they have written to her and said:-
"Your insurers have contacted us to state that as the property is unoccupied, after a period of 30 days unoccupancy cover is restricted to Fire, Lightning, Aircraft and Explosion only." (The insurers are AXA by the way; the policy is their "Release Residential" policy.)
Is this fairly standard practice among insurers - or might other insurers offer fuller cover for unoccupied property?
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Insurance of unoccupied property new
Insurance of unoccupied property new