We have BTL which we are not reletting and have recently accepted an offer on. Our tenants left a week ago and our landlord insurance is due to renew at the end of October. We can't renew or extend this as we don't plan to relet and their max unoccupied time is 45 days anyway. Purchaser is an investor so there's no chain in either direction and we're hoping it all progresses as fast as possible.
I assume we need specialist unoccupied insurance whilst the sale goes through? Any recommendations? Policies that I've looked at so far look to have minimal cover - fire/struck by lightening type stuff. I'm conscious that this period of time is likely to include surveys so actually the most likely time possible for previously unknown problems to show and am worried about risking lack of insurance for anything major that crops up.
The house has been well maintained and we didn't uncover any issues when we bought 5 years ago but catastrophising is my super power. Would appreciate any/all advice!