The reason why many people feel it is better to take out a separate short term home insurance policy is because many more long term policies will become void if the property is unoccupied for more then 30 days.
Most insurers offering short term home insurance will allow a degree of flexibility between whether the policy lasts for 12 months or a shorter time frame.
Most short term polices will be subject to a number of exclusions, written into the contract, which will mean an individual cannot claim using the policy.
Some examples of possible exclusions could be:
- If windows or other entry points are left unlocked, resulting in theft or damage from unforced entry
- If major building or renovations work causes damage
- If builders or contractors are the root cause of the damage
Again the particulars of the different provider’s short term home insurance policies will differ so you should compare a number of different home insurance quotes before settling on a policy.