My rental is vacant more than 60 days, what happens to my cover?
The majority of landlord insurance policies have the condition that after a house has been unoccupied for 60 consecutive days, insurance cover ceases. The cover then automatically restarts as soon as the property is occupied.
We do things differently. After 60 days, our comprehensive landlord policy simply applies a higher excess of $5,000 to all losses. This excess then reverts back to the standard policy excess once the property is occupied by tenants again. This means that after 60 days of vacancy, cover still remains in place but a higher excess applies to claims.
Learn more about unoccupancy and insurance here.