Household Unoccupied Insurance Many home insurance policies do not provide cover for properties, which become unoccupied and, even if they do, the maximum period would normally be only 30 days. Our special schemes are designed to cover unoccupied buildings for 3, 6, 9 or 12 months. Ideal for any Property Owner who’s a property could remain unoccupied for more 30 days and the policy is great for solicitors that require a quick and simple insurance solution when they are dealing with estates. If the property ceases to be unoccupied then the policy can even be converted to a regular owner occupied or Let Property policy.