Vacant INSURANCE

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FAQs

  • Vacant home insurance is a specialized policy that provides coverage for homes that are unoccupied for 30 days or more, protecting against risks like vandalism, fire, and weather damage.

  • A home is usually considered vacant when it is completely empty of personal belongings and no one is living there for 30+ consecutive days.

  • Standard policies may not cover damage that occurs while the home is vacant, while vacant insurance fills in those gaps and accounts for increased risks.

  • Vacant properties are more vulnerable to vandalism, theft, and undetected damage. Most traditional homeowners policies will void or limit coverage if the home is unoccupied for an extended period.

  • Coverage typically includes:

     

    Fire and smoke damage

     

    Vandalism

     

    Theft

     

    Weather damage (wind, hail, etc.)

     

    Liability protection in case someone is injured on the property

  • Common exclusions include:

     

    Water damage due to frozen pipes (if not properly winterized)

     

    Mold

     

    Neglect or maintenance issues

     

    Earthquake or flood (unless added separately)

  • Most policies are offered in terms ranging from 3 months to a year, with options to renew depending on your needs.

  • Yes, vacant insurance is ideal for homes that are:

     

    On the market

     

    Being renovated

     

    In probate or transition

     

    Awaiting occupancy

  • Yes, premiums are usually higher due to the increased risks associated with unoccupied properties.

  • Yes, you must inform your insurer if your home will be vacant beyond their allowable timeframe (usually 30–60 days), or your coverage may be voided.

  • Most providers allow early cancellation or conversion to a standard Landlord Insurance policy, often with a refund for unused premium.

  • Yes, most policies offer liability protection in case someone is injured on your property while it's vacant.

  • Installing monitored alarm systems, cameras, smoke detectors, and regular property checks can lower your risk—and possibly your premium.

  • Yes, in many cases, a property manager or caretaker can be listed as an additional insured or interested party.

  • We currently operate in Ohio, Kentucky, Tennessee, Pennsylvania, Michigan, Indiana, Illinois, Minnesota, Mississippi, Missouri, Arizona, Arkansas, Georgia, North Carolina, and Texas