If the property is normally occupied but left empty for 31-180 days in a row a year, you’re typically covered, except between 1 October and 1 April inclusive, where escape of water incidents are excluded.

If the property is completely unoccupied and unfurnished, or it’s furnished but unoccupied for more than 180 consecutive days a year, you’re not covered for water damage.

Always check your policy schedule for any ‘endorsements’ (special terms) as these could restrict or exclude cover.