Some home insurers consider a house "unoccupied" after 60 days. After this, you'll need to update your home insurance policy to unoccupied, or select this option during the application process.
It's important that you let your home insurer know that the home will be unoccupied, otherwise you risk losing your cover.
When is a home unoccupied?
Home insurers have different limits when it comes to how long it takes for a house to be unoccupied. We did some research and found that this limit can vary between 60 days up to 120 days.
Brand
How many days until the property is unoccupied
Property is unoccupied if vacant for more than 60 consecutive days.
Property is unoccupied if vacant for more than 60 consecutive days.
Property is unoccupied if vacant for more than 60 consecutive days.
Property is unoccupied if vacant for more than 60 consecutive days.
Property is unoccupied if vacant for more than 60 consecutive days.
Property is unoccupied if vacant for more than 60 consecutive days.
Property is unoccupied if vacant for more than 99 consecutive days.
Property is unoccupied if vacant for more than 120 consecutive days.
Looking for unoccupied home insurance? Compare here.
Now you can compare benefits to make sure you choose a policy that's right for you.
Already have home insurance? Just let your insurer know that the house will be unoccupied. Make sure you do let them know, as if you leave the place unoccupied for over 60 days without telling them, you could void your policy.
Finder survey: How often do Australians compare or switch their building insurance?
Response
I never compare or switch
27.39%
Once a year
26.96%
Once every 3+ yrs
26.09%
Every 2 yrs
18.7%
More than once a year
0.87%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023
What does unoccupied mean for home insurance?
If you leave your home for an extended period of time, it will be considered unoccupied by your home insurer. When a home is considered unoccupied, the insurer will generally do one of two things: impose an additional excess on any claims that arise while your home is unoccupied or cancel your policy. To prevent this, you need to contact them directly.
Generally, a home is not considered unoccupied if it's vacant for less than 30 days, but this differs from insurer to insurer, so it's worth looking into. If you exceed the time limit, your home will be considered unoccupied, and you may not be covered if you need to make a claim.
If you know that your house will be unoccupied for an extended period of time, make sure you let your insurer know so they can either update your existing policy or issue a new one.
How to keep an unoccupied house in Australia
You may be required to make sure your home is kept in a lived-in state by:
Making sure all windows and doors are locked
Keeping the lawns mowed
Stopping the mail, newspaper and other regular deliveries
Getting someone such as a friend, relative or neighbour to check on your house (inside and outside once a week)
These conditions vary between insurers and in accordance with your personal circumstances, but failing to abide by them could cause any claims during this period to be refused.
When will I need unoccupied home insurance?
Here are some common scenarios where you might leave your home unoccupied for long enough that it could affect your insurance.
Leaving your home empty while travelling. If you're planning an extended holiday, there's probably a high likelihood that you'll exceed your insurer's maximum unoccupied limit. For cover to continue, make sure you contact your insurer and notify them of your plans before you depart.
Leaving your home empty while you renovate. Living in your house while it's being renovated can be stressful and far from practical, so moving out for a few months while work is completed may be the best solution. Not only will your home insurance cover be cancelled if you're away for an extended period, but keep in mind that home insurance commonly won't cover claims that arise because of the renovations.
Leaving a house vacant while trying to sell it or rent it out. If you plan to leave the property vacant while you either look to sell it or try to find new tenants to rent it out, check with your insurer to find out how this will affect your policy. While many insurers will cover unoccupied homes for up to 60 or 90 days, there are some landlord insurance policies that require you to notify the insurer each time your home is left vacant due to a change of tenant.
Protecting your home while you're away
If you're away from home, it might be worth getting a house sitter or arrange for someone to check in regularly. Ask them to take a look inside at least once a week to make sure everything is alright, as well as take care of any tell-tale signs of a vacant home, such as uncollected mail or unmown lawn. Arrange for a friend or a professional garden service to stay on top of lawn and garden maintenance while you're away. Before you leave, thoroughly inspect how secure your home is. Check all locks on windows and doors, and consider installing a back-to-base burglar alarm for added security.
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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More questions about unoccupied home insurance
Insurance is all about risk. By agreeing to cover your home against a wide range of events, the insurer takes on a certain level of risk. But if you leave your home unoccupied for a long period, that level of risk will increase.
So, to minimise their exposure to this increased level of risk, insurers impose terms and conditions on leaving your home unoccupied.
Depending on how long your house is unoccupied, there may actually be no difference in the price of your home insurance. Of course, you'll have to get a quote for your home to check.
Generally speaking, if your house is going to be unoccupied for more than 60 days, you'll have to contact the insurer directly to see if they can offer you cover for the extended period.
Yes, this is called vacant land insurance. This provides public liability cover to protect you if your ownership of the land results in someone else suffering an injury or property damage. It's also possible to get cover for any structures that may be on the land, such as sheds, outbuildings and the like.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
Camera insurance is a must-have if you carry a lot of expensive gear. Find out how to get cover through either contents insurance or speciality camera insurance.
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