I am moving abroad for a few months ( possibly longer) and I need to explore Home Insurance - more especially Landlord Insurance.
This would aim to cover primarily if the house is unoccupied for more than a month, or, if I decide to register as an Airbnb, would cover for this ....in reality, it is more likely that I need cover for an unoccupied house with an option to 'let' it. I am already aware that standard home insurance with Buildings cover, accidental damage and Contents is only available if the building is occupied...obviously not when just away on holiday - but for longer periods of a month plus and beyond 60 days.
The property is a mid terrace cottage. No high risk factors apply specifically...not in a flood zone or high crime area. I have neighbours who would physically check the place so technically it would not be untended. I have a good insurance record and have fortunately never had to claim anything from my current insurer and no other record that would affect eligibility for cover.
I have seen only 2 offerings on all the comparison sites and both are costly although I have not read in detail at all the various cover option. I am aware though that the options are limited.
Any advice welcome from anyone who has experience of this and/or who has let there home out or had it empty for longer periods of time other than standard holidays of 2-3 weeks.
Thanks all in advance