According to reports published by The Centre for Economic and Business Research, property prices could be 16% higher by the end of 2015. Looking at the closer picture, it is predicted that prices will continue to fall for the remainder of 2011 but then increase as a property shortage will have a knock on effect. Interestingly, this could well lead to banks loosening their lending criteria. Despite this it is still predicted that more and more young people will have no choice but to go down the rental market route. This is where landlords will be spoilt for choice when choosing tenants. Caution must be advised however as insurance companies are strict and charge higher prices for landlords insurance when allowing non-professional tenants to move in.This should leave fewer properties having to rely on unoccupied insurance policies that traditionally offer very limited cover but are comparatively expensive. The insurance Market will evolve to accommodate housing conditions but with so many insurers competing for the same business, let property insurance premiums will not change dramatically.