There are many reasons as to why a landlord might have an unoccupied property over a prolonged period of time. It could, for example, that you or your tenants will be travelling or there is an illness that has has an individual in hospital for an extended period of time. For many non-standard homes, renovations may also make the property uninhabitable for a prolonged period of time, leaving it prone break ins. Unoccupied policy can be cultivated with the specifics of the circumstances in mind, which can in turn keep costs to a minimum without compromising on the level of coverage it provides.
Subsidence is caused by a few things, most notably a clay soil that the property is built on combined with particularly prolonged periods of wet or dry weather. The damage it causes can be enormous, so those that are prone to it have an issue accessing the appropriate policy, with many standard policy providers unwilling to help. Specialist insurance brokers, however, are well suited to provide the coverage needed. It should be noted that the sooner subsidence is dealt with, the less expensive it will be.