Home insurance for an unoccupied home
It’s possible to get home insurance for an unoccupied home, you just have to let your insurer know.
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Key takeaways
- Always notify your insurer if your home will be unoccupied to maintain cover and avoid losing protection.
- Many insurers define an unoccupied home as vacant for over 60 consecutive days but some allow up to 90 days.
- Extended travel renovation or selling periods can affect your policy so contact your insurer proactively.
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Excellent
These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
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Usually these products would either have fewer benefits or higher pricing.
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Basic
Offering basic cover with limited features or higher pricing.
Finder Score - Home insurance
We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
Can I get insurance for an unoccupied home?
Most likely, yes. If you’re expecting your home to become unoccupied then you should still be able to get home insurance, or continue with your existing policy. You’ll just need to let your insurer know.
Most insurers define ‘unoccupied’ as being vacant for more than 60 days. If you’ll be back before then, you likely don’t need to do anything. If you’ll be gone for longer than 60 days, you’ll need to get in touch with your insurer. If you don’t, you risk losing cover.
How different insurers define 'unoccupied' homes
Often, insurers will have different definitions of what it means for your home to be ‘unoccupied’. We check how popular providers define this.
| 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 90 consecutive days. |
 | Property is unoccupied if vacant for more than 60 consecutive days. |
Table updated April 2026
When would 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.
Our expert says
Our expert says
"When you first take out a home insurance policy, you’ll agree that you’ll notify your insurer of any changes to your circumstances. Leaving your home unoccupied is one of those circumstances where your insurer will want to be informed. They’ll be able to tell you if any changes to your policy or premium are needed and you can decide what’s best from there."
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Is there an Insurance Company that will insure an unoccupied home belonging to my deceased father. I am one of the executors and we cannot sell the home until 6 months after probate. This must be a fairly common situation, but so far, no insurance company will offer a policy. Can you advise please.
Many insurers do offer unoccupied insurance, but you’ll often have to pay an excess in the event of a claim. You might find it helpful to work with a broker to narrow down your policy choices.