Whether a rental property is sitting vacant by design or by circumstance, if the property is unoccupied for a period of time, the insurance may no longer be valid.

There is an exclusion in most landlord and home and contents insurance policies which relates to the premises being vacant or unoccupied. While the specific number of days may vary – it often ranges between 30 and 90 days – most policies cease to apply once the property has been empty for the specified period.

The insurer may impose an additional excess on any claims that arise while the property is unoccupied or the policy may be cancelled. Whatever the policy, the insurer must be notified after the notifiable period of vacancy.