Currently the uk insurance Market is saturated with insurers offering a range of property insurance policies ranging from a standard home insurance to complex unoccupied insurance. The temptation is to succumb to the big comparison sites and obtain premiums and terms in the hope that the results will meet your needs. An example of this practise would be a property owner obtaining a standard home insurance for an empty premises under the impression that the unoccupancy clause of 30 or 60 days will cover their property, pending tenants. This clause is designed more for the existing owner occupied policyholder who is merely away on holiday or other temporary reason.
 
Insurers would take a dim view of a property empty at inception of the policy, especially where the property is not furnished sufficiently for normal habitable use. Of the insurance broking fraternity, there are specialist agents who have access to specific policies that cover a variety of risks including bed and breakfast concerns. Cover can also be arranged on a short term basis in some instances but ask for quotations including insurance premium tax (IPT) and any fees. Beware that short term policies do not reflect the annual premiums offered. 

Also, be sure to ask the interest rate if the premium is financed for you by direct debit payments.

Active Insurance is a leading provider of landlords insurance and unoccupied home insurance for UK property owners.