Unoccupied insurance concerns

Other

HMO UNOCCUPANCY INSURANCE CONCERNS

I want to know how to cope/how members are coping with extended periods of unoccupancy, particularly regarding student lets. I have struggled with various aspects of this:

(1) problems getting more than max 90 days unoccupied insurance;
(2) I currently have only absolute minimum cover (fire, theft etc) now 90 days cover has expired;
(3) my agents' non-compliance with insurer's requirement of weekly unoccupied checks & written reports;
(4) concerns re the potential for bad weather / risk of boiler problems.

I have communicated with NRLA recommended insurers, who are more helpful than most.
However, landlords, especially of student lets, need to be super aware of the potential risks of unoccupancy.
I am finding it a huge worry, to the point of moving from HMO to individual house rental.

Do you have any additional guidance you can give about insurance & unoccupancy, please?