It depends on the policy. Many insurers reduce or change cover after a set period of unoccupancy, so check the exact number of days before leaving the house empty.

Why does an empty home carry more risk?

• Leaks go unnoticed.
• Heating failures can lead to frozen pipes.
• A break-in may not be discovered quickly.
• Post and an untidy exterior can advertise that nobody is there.

Preparing the house before you leave

• Check the unoccupancy limit.
• Secure doors and windows.
• Keep suitable heating on in cold weather.
• Arrange for someone to check the property if practical.

Find the unoccupancy limit

Find the unoccupancy section. It can change theft, water and malicious-damage cover once the property has been empty for longer than the allowed period.