Unoccupied properties can be more expensive to insure because they may face higher risks of theft, escape of water and undetected damage. A specialist unoccupied-home policy may offer better value than a standard policy, particularly if you compare the excess, cover limits and permitted vacancy period as well as the premium. Insurers may require regular inspections, working security measures, and precautions such as draining the water system or maintaining heating. Tell your insurer when the property is empty, as failing to disclose this could affect a claim; consider comparing quotes from FCA-authorised providers or an authorised broker.