What cover will an underwriter seek to include?
Most underwriters are only willing to insure unoccupied property for the most basic of losses. This usually amounts to fire, in the first instance, and is usually extended to include lightning, earthquake, explosion and impact by aircraft.
In reality, this cover is extremely restricted and would pick up losses arising out of fire whether started deliberately or as a result of a natural event.
Certain insurers who specialise in unoccupied buildings insurance will offer wider perils, usually relating to storm (dependent on condition), subsidence and impact.
Most underwriters are only willing to insure unoccupied property for the most basic of losses. This usually amounts to fire, in the first instance, and is usually extended to include lightning, earthquake, explosion and impact by aircraft.
Most of these policies also carry a higher than standard excess, leaving you with most minor claims uninsured.
It is likely, in addition, that there will be other special conditions which you need to consider.