What Does Vacant Home Insurance Typically Cover?
Explore what protections are still available when a property is unoccupied for an extended time
If your home will be vacant for more than 30 to 60 days, your standard home insurance may no longer apply. That’s where vacant home insurance comes in. This specialized policy is designed to provide limited but essential protection while a property sits empty, whether it's between owners, under renovation, or awaiting sale.
This becomes especially important if you’re managing an estate, leaving for an extended trip, or holding a second property as an investment. You might consider this the next time your home will be unoccupied beyond your policy’s limit.
What a Vacant Home Policy Typically Includes
Vacant home insurance doesn’t offer the same broad coverage as a standard homeowner’s policy, but it still protects you from key risks that can cause serious financial loss.
-
Fire and smoke damage
Most policies still cover sudden, accidental fires—even in vacant properties—provided you’ve met safety requirements like turning off utilities and maintaining inspections. -
Vandalism and malicious mischief
Graffiti, break-ins, and intentional property damage may be included, though often with limits or conditions such as alarm systems or regular checks. -
Liability protection
If someone trespasses, gets injured, or causes damage while on your property, you may still be covered for legal costs or settlements. -
Weather-related damage
Wind, hail, and lightning are often included, but water damage coverage may be reduced unless special steps are taken.
| Covered Risk | Typically Included in Vacant Policy? | Conditions That May Apply |
|---|---|---|
| Fire or smoke | Yes | May require utilities off or monitored heat |
| Vandalism | Sometimes | Often requires alarm or inspections |
| Wind, hail, lightning | Yes | Based on local weather exposure |
| Water damage (pipes, leaks) | Rarely | May be excluded unless heat is maintained |
| Liability | Yes | Applies to bodily injury or property damage |
Note: Coverage and requirements vary widely by insurer. Vacant home policies are often customized based on how long the property will be empty and the precautions you take.
What Is Usually Excluded
Even with a vacancy policy, some risks may not be covered:
-
Burst pipes due to freezing if heat is not maintained
-
Theft of personal contents unless specific arrangements are made
-
Sewer backup or overland flood unless added as optional endorsements
-
Gradual damage such as mold, deterioration, or pest infestations
Tip: To reduce the chance of denial, keep the home heated, winterize plumbing, and ask someone to check on it regularly—ideally every few days. Document each visit.
When You Might Need This Type of Coverage
-
Selling a home after you've already moved out
-
Managing an estate while waiting to transfer ownership
-
Taking an extended work assignment or sabbatical abroad
-
Holding a second property that’s not currently rented
Caution: Never assume your standard homeowner’s policy will stay in effect while a home is vacant. Notify your insurer as soon as the home becomes unoccupied for more than 30 consecutive days.
Vacant home insurance is a safety net for unusual but not uncommon situations. While it may not cover everything, it protects against the most serious risks during times when a property is more vulnerable than usual. The peace of mind is well worth the call to your insurer.