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What type of insurance do I need for a vacant home?
I bought a fixer-upper in my town for a great price. It will probably take me about a year to fix the house up to living condition. What type of insurance do I need for a vacant home?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You’ll need to purchase unoccupied or vacant home insurance. This is a specialty home insurance product specifically designed to cover claims for a home that currently doesn’t have any occupants.
Home insurance for unoccupied properties exists because insurance companies consider them high risk. If a home is unoccupied, theft and vandalism are more likely to occur. Fires and other disasters may go unreported as well.
Before shopping around with other companies, ask your
car insurance
provider about home insurance. You may be able to bundle both policies
. Bundling can often get you a discount on both policies, making it cheaper than having two separate insurance companies. Even if your car insurance company offers vacant home insurance, make sure to shop around to get the best rate. It’s always a good idea to compare rates with multiple companies to see where you can get the best deal. Smart-comparison tool
Jerry
makes this easy. Jerry will pull multiple quotes for you and will even help you fill out the signup paperwork.” View full answer
- Gregory R.
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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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