Vacant and unoccupied homes. The gap a standard policy leaves.
An inherited house, a home between tenants, a place on the market after you've moved out. A standard homeowners policy often stops covering key losses once no one is living there.
Coverage
What we include.
- Dwelling coverage for a vacant or unoccupied house
- Vandalism and malicious mischief options
- Premises liability
- Fire, wind and hail
- Coverage while the home is listed for sale or an estate is settled
Markets
Where we shop.
- Foremost (vacant dwelling)
- American Modern
- Steadily
- Specialty vacant and unoccupied-dwelling markets
Good to know: Vacant and unoccupied mean different things in a policy. Unoccupied usually means your belongings are still there; vacant usually means they aren't. Many homeowners policies limit coverage once a home has been vacant for a set number of days, so call us as soon as you know it will sit empty.
What we need
To get you a real quote.
- Address and how long it has been empty
- Why it's empty: estate, sale, between tenants or renovation
- Whether the utilities are on
- How often someone checks on it
- When it's expected to be occupied or sold
Often bundled with
Coverages that pair with this one.
Fix & FlipInvestment PropertiesUmbrella
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