If you are in hospital for over thirty days can your home insurers state that the property is unoccupied?

Whether the home insurer can consider a property unoccupied depends on the specific terms and conditions of the insurance policy. Typically, home insurance policies define "unoccupied" as a property that is vacant for a certain number of consecutive days, which can range from 30 to 60 days. However, some policies may have different definitions or may allow for exceptions to this rule, such as if the property is occupied by a caretaker or if the homeowner temporarily stays in the hospital.

In general, if you are planning to be away from your home for an extended period, including due to hospitalization, it is essential to carefully review your home insurance policy to understand the specific conditions related to unoccupied properties. If you have any concerns, you should contact your insurer to clarify their definition of "unoccupied" and the potential consequences of leaving your home vacant for an extended period. Some insurers may require you to take additional steps, such as securing the property or having someone regularly check on it, to maintain coverage during your absence. By communicating with your insurer and complying with their requirements, you can ensure that your home remains protected and your insurance coverage is not affected.