Do I need unoccupied or vacant house insurance?

Generally, if you plan to leave your home vacant or unoccupied for 30 days or more, you’ll want to have unoccupied or vacant house insurance. While terms vary by policy, most insurance companies will deny claims that are made if your home is left alone for longer than 30 days.

Does homeowners insurance cover unoccupied homes?

Unoccupied homes are also more susceptible to burglary and vandalism. A standard homeowners insurance policy specifically points out that homes vacant for more than 60 days are not covered for theft or vandalism, but it’s not uncommon for insurers to extend that exclusion to other causes of loss like fire and water damage.

Does home insurance cover a vacant home?

Standard home insurance policies do not cover vacant or unoccupied properties. If you'll be leaving your home temporarily unoccupied or vacant, you can add an endorsement to your homeowners insurance policy to maintain coverage. Otherwise, the insurance company might require you to buy a separate insurance policy to cover your vacant home.