With winter now on us and temperatures lower it is important to make sure that any unoccupied properties you own are properly prepared for winter.

Firstly make sure your insurer is aware that the property is empty. Make sure you follow their instructions regarding turning heating on or draining water down. It is imperative that you follow their instructions.

Also if you are a buy to let landlord it is a great opportunity to make sure that you have proper landlords house insurance. Normal house buildings insurance may not cover you if you let a property.