Which of the following can lead to loss or reduction of cover in a household policy?

Extended unoccupancy without notification can lead to a loss or reduction of cover in a household policy because most insurance policies have specific terms regarding how long a property can be unoccupied without notifying the insurer. If a property remains unoccupied for an extended period, it is generally considered at a higher risk for issues such as vandalism, water damage, or theft. Insurers may impose conditions to limit their liability during such periods or may even exclude certain types of coverage entirely if they are not informed of the unoccupancy. This is crucial for policyholders to understand, as failing to notify insurers within stipulated time frames can have significant implications on their coverage.

In contrast, regular maintenance, upgrading the property, and increasing risk protections are positive actions that typically enhance the safety and value of the home, making it less susceptible to risks and potentially leading to lower premiums rather than a reduction of coverage.