1. Stay on top of upkeep. Landlords should assume that their insurance company will expect the property is being maintained from year to year. Specifics will vary from insurer to insurer. Landlords should do periodic inspections every six months to take note of any damage or neglect caused by tenants.
3. Notify your insurer of an extended vacancy: Most property insurance is geared toward occupied homes. Renters can keep tabs on your property and address problems when they're small — before they become large. Vacant properties come with certain increased risks. So if you anticipate a vacancy lasting longer than a few weeks, let your insurance company know.