5 min read Feb 03, 2024

Vacant Home Insurance: Protecting Your Investment While It’s Unoccupied

Vacant home insurance is an insurance policy that provides coverage for homes left unoccupied for extended periods of time. While regular homeowners’ insurance covers occupied homes, it does not protect homes that are vacant for over 30 days.

This blog post will cover the basics of vacant property insurance, including what it is, what it covers, and how much it costs. We will also address commonly asked questions about insuring a vacant home, such as the definition of “vacant” in homeowners insurance.

What is a Vacant Home Insurance?

Vacant home insurance offers protection for residences that have been empty for a considerable time. Regular homeowners’ insurance policies do not cover vacant homes because of the increased risks associated with them.

These risks include vandalism, theft, fire, and natural disasters. However, it does not cover damage caused by pests or neglect.

Vacant house insurance is crucial for protecting your investment and ensuring coverage for unexpected incidents. Buying vacant dwelling insurance ensures the protection of your property when it is unoccupied.

What do ‘Vacant’ and ‘Unoccupied’ Mean to Homeowners Insurance?

When it comes to homeowners insurance, a vacant home is one that is completely empty of all personal belongings and furnishings. On the other hand, an unoccupied home may still have personal belongings and furniture, but no one is currently living in the home.

How Much Does a Vacant Home Insurance Policy Cost?

On average, vacant homeowners’ insurance can cost anywhere from $1,000 to $3,000 per year. This cost varies depending on a few factors, including the location of the property, its age and condition, and the amount of coverage needed.

Empty house insurance costs also vary based on the specific circumstances of your property. To save money on empty home insurance, it’s important to shop around and compare quotes from different insurance providers.

Additionally, some insurance companies offer discounts for homes with security systems, smoke detectors, and other safety features. Installing these features can help you save money on insurance and provide added protection for your property.

What Does Vacant Home Insurance Policy Cover?

Vacant home insurance policies typically cover a range of incidents that may occur while the property is unoccupied. This includes coverage for:

  • Natural disasters, such as hurricanes or earthquakes
  • Damage caused by vandals or thieves
  • Fire or water damage.

It’s important to note that the specific coverage offered by a vacant house insurance policy can vary depending on the insurance provider and the specific policy. You need to carefully review the policy documents to understand exactly what is covered and what is not.

A comprehensive vacant property insurance policy protects your property from potential risks while unoccupied.

How Long Can a House Be Vacant For Insurance?

Generally, most insurers consider a property to be vacant after 30 consecutive days without occupants. After that point, regular homeowners insurance policies may no longer provide coverage for certain risks associated with unoccupied homes.

Many insurance companies have specific guidelines on how long a house can be vacant before it’s considered too high-risk to insure. Check with your insurer to know their policies regarding vacant property insurance duration.

Is Vacant or Unoccupied Home Insurance Better?

Vacant homeowners’ insurance is designed for homes that are completely empty of all personal belongings and furnishings. Unoccupied home insurance is designed for homes that still have personal belongings and furniture, but no one is currently living in the home.

Each type of insurance has its pros and cons. Vacant house insurance is generally less expensive than unoccupied property insurance, but it may provide less coverage. Unoccupied house insurance provides more comprehensive coverage, but it may be more expensive.

You should carefully consider the needs and risks associated with your property before choosing which type of insurance to purchase. Consulting with an insurance agent can help you in making an informed decision.

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Final Word

In conclusion, vacant home insurance is an important consideration for homeowners who own unoccupied or empty properties. Factors that affect the cost of vacant property insurance include property location, the level of coverage needed, and the time the property will be vacant.

By taking the time to research different insurance companies and policies, you can find the right coverage to fit your specific needs and budget. With vacant home insurance in place, you can rest easy knowing that your property is protected even when it’s unoccupied or empty.

Also Read

Hazard Insurance: Explore home insurances that protect against hazards.

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1. Can you insure an unoccupied house?

Yes, you can insure an unoccupied house with vacant home insurance. Vacant home insurance is an insurance policy that provides coverage for homes left unoccupied for extended periods of time.

2. Who insures vacant homes?

Vacant homes can be insured by a variety of insurance companies that specialize in vacant home insurance. It is recommended to research and compare policies from different insurers to find the best coverage and rates to suit your needs.

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