Do I need an occupancy permit to get homeowners insurance?

I'm in the process of renovating my new home while I live in a rental. The insurance company wants to inspect the property before offering me insurance. Do I need an occupancy permit to get the insurance?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Yes, you’ll need an occupancy permit to get homeowner’s insurance.
If you can’t get an occupancy permit, you may need a specialty insurance product known as vacant or unoccupied homeowner’s insurance.
Vacant/unoccupied insurance can be pricey because vacant homes are considered higher-risk. They’re more prone to break-ins, and if a fire were to happen, it would take longer for someone to notice.
If possible, you might want to delay the inspection until you’re done with your renovations. Doing so should help you get the occupancy permit, secure
homeowner’s insurance
, and prevent a host of problems.
If you would like help finding the right kind of coverage for your home, use
. Jerry is a free app that compares quotes from the top companies and delivers the best deals to your phone in minutes.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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