You can usually arrange buildings and contents insurance for an unoccupied property, but standard home policies may restrict or exclude cover after a set period, often 30 or 60 days. Specialist unoccupied-property insurance may cover risks such as fire, escape of water, storm damage and theft, depending on the policy terms and why the property is empty. Insurers may require regular inspections, secure locks, drained plumbing or other precautions, so check the conditions carefully. Compare FCA-authorised providers and disclose the property’s circumstances, including renovation work or periods between tenants.