What is Vacant Home Insurance?
If you leave your home empty for a few weeks, you will most likely void your homeowners’ insurance coverage. The reason for that is that vacant/unoccupied houses have a higher risk of theft, vandalism, fire, or weather-related hazards, but your premium is based on a lower-risk scenario where your property is presumed occupied. Different insurance carriers have varying policies, but most of them will consider your home “vacant” or “unoccupied” if it’s left empty for 60 days or more.
A vacant home insurance policy provides coverage for such houses and gives you, the owner, a piece of mind.
Before leaving town for an extended period of time, contact our expert property insurance agents to ensure you have a proper vacant home insurance coverage.
Make sure your vacant home is protected accordingly while it's waiting for new tenants, owners, or undergoing renovations
When do I need Vacant House insurance for my property?
Vacant Home insurance coverage
The coverage options for a vacant house vary between insurance carriers due to the significant differences between a homeowners policy for occupied homes, and vacant property policy for unoccupied homes.
A vacant home is usually harder to insure and requires either an endorsement or a separate policy, depending on the insurance company. Some of them will not insure vacant homes at all but, we’ve partnered with several A rated*, or higher, companies to provide you with the appropriate coverage for your vacant home.
The most common coverages included in a Vacant Home policy are
* Rating by A. M. Best