Some landlord policies include short periods of unoccupancy, while others impose conditions or require specific unoccupied-property cover. The price can depend on how long the property is empty, its location, security measures and whether utilities remain connected, so the cheapest quote may not provide suitable protection. Tell insurers when the property is vacant and check requirements such as regular inspections, keeping the property secure and draining the water system if requested. Compare cover and exclusions from FCA-authorised providers, and check the policy wording before choosing.