Vacant Home Insurance — Coverage for Unoccupied Properties
Standard homeowners policies often include provisions that may limit or exclude coverage once a home has been unoccupied for a specified period. Dedicated vacant home insurance may provide coverage for properties between owners, tenants, or during renovation.
Coverage Options
The following coverage options may be available for Vacant Home Insurance. Availability, terms, and limits vary by state and policy.
Fire & Smoke Damage
May cover damage from fire and smoke, which may be a heightened risk in unoccupied properties.
Water Damage
May cover certain types of water damage from burst pipes or plumbing failures in vacant homes.
Vandalism Coverage
Vacant properties may be more susceptible to vandalism — coverage may help address damage from such events.
Weather Damage
May cover damage from windstorms, hail, lightning, and other weather-related events.
Liability Coverage
May help cover injury claims if someone is hurt on your vacant property.
Glass Breakage
May cover broken windows and glass damage — common in unoccupied properties.
Who May Need Vacant Home Insurance?
Estate administrators, sellers in the process of relocating, investors holding unoccupied properties, homeowners with a second unoccupied property, and anyone with a home expected to be empty for an extended period.
Top 5 Reasons to Consider Vacant Home Insurance
- Standard homeowners policies may exclude or limit coverage for homes vacant for more than 30 to 60 days.
- Vacant homes may face higher risk of vandalism, squatters, and unreported damage compared to occupied homes.
- Water damage from burst pipes may go undetected for longer in a vacant home, potentially increasing costs.
- Property owners may face liability exposure if someone is injured on an unoccupied property.
- Coverage gaps during transitions between owners or tenants can leave properties financially exposed.
Request a Vacant Home Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.