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One of the biggest misconceptions in the market is that all Legal Expenses Insurance policies are broadly the same and that they will cover you for every Legal eventuality. The reality is very different. Policy wordings can vary significantly between insurers, and a policy that works well for one business may not be suitable for another. They are often added in as standard, and the cover may not correlate with your needs.

Properties become unoccupied for various reasons. Maybe you’re preparing for renovation work, the owner has moved into long-term care, or the home is tied up in probate. Whatever the situation, once a property is empty, it enters a different category in the eyes of insurers — and that’s where things can get a little confusing. This practical guide to unoccupied property insurance breaks down what you need to know.