What is vacant home insurance?

I overheard my aunt telling my cousin that she should get vacant home insurance for when she's traveling for work. What is it?

Put simply, vacant home insurance covers a home when no one is living there for a period of time. There are many instances where this may come into play. For example, let’s say you move to Colorado for a new job but your home is for sale in California. Or, your tenant moves out and you have not yet found a new tenant to move in. In both of these examples, the home is empty and qualifies for vacant home insurance.
Vacant home insurance is usually more expensive because there is no one there to watch the property, so there are increased risks of vandalism and burglary. Vacant home insurance also tends to be more flexible because you can buy it for a short term, such as three or six months. You can also add optional coverages for things like personal property to cover items that could get stolen, such as lawn tools.
If you have a vacant home, be sure to get coverage for it. Once it is occupied, you can switch to a homeowners or landlord policy. To learn more about getting vacant home insurance, check out this article: How to Get Vacant Home Insurance.
Jackie Whalen
Answered on Mar 12, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.

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