A household policy covering a holiday home in the UK usually excludes theft of valuable items and money if the property is unoccupied for periods in excess of what duration?

Household policies typically contain specific terms regarding protection against theft, especially in relation to the unoccupancy of the insured property. The exclusion of coverage for theft of valuable items and money often comes into play if the property remains unoccupied for a certain duration. In this context, a period of unoccupancy exceeding 48 hours is commonly recognized by insurers as a threshold beyond which risks, such as theft, are heightened. Consequently, if the property is unoccupied for longer than this timeframe, insurers limit their liability due to the increased chances of theft occurring. Policies will often explicitly state this duration, and it serves as an important factor for policyholders to be mindful of when leaving their holiday homes unattended.