How do I get insurance for a vacant home?
By Bob Millaway, South Jersey Community Expert & REALTOR®
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.
Why It Matters
A fire or burst pipe in a vacant home can go unnoticed for days. Without proper insurance, you could face a total loss with no coverage.
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