The short answer
After 30–60 consecutive days unoccupied, UK home policies typically restrict cover to FLEA (fire, lightning, explosion, aircraft) only. You need a specialist unoccupied property policy for full perils and to comply with conditions like turning off the water.
Frequently asked
- Does emptying water solve it?
- Helps with frost claims but doesn't restore full cover — you still need the right policy.
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