How do I get insurance for a vacant home?

Standard homeowner's policies typically limit or exclude coverage once a home has been vacant for more than 30 to 60 days. Vacant homes face higher risks: vandalism, undetected leaks, frozen pipes, and fire without anyone noticing. You will need a vacant home insurance policy specifically designed for unoccupied properties. These policies cost more than standard coverage but provide protection tailored to a vacant home's risks. Notify your insurer before the home becomes vacant. Some insurers offer endorsement options that extend coverage for specific vacancy periods.