Does home insurance cover empty homes?

Vacant home insurance protects a property that is empty for an extended period of time. A vacant home means that there is no personal property there and no one lives there. If you leave your home for a vacation, your home insurance covers you. But what if the house is truly empty, such as when you have moved out but still own the house?

Does home insurance cover vacant homes?

Standard home insurance policies usually do not cover homes that are left vacant because a vacant home generally carries more risk of a claim than an occupied home. For example, vacant homes may be more likely to be vandalized than occupied homes.

Can I cancel a home insurance policy if my house is empty?

If you’re not sure how long your home will sit empty, you may be able to buy a longer-term policy and cancel it, with a prorated refund. To protect your empty home from damage and crime, consider these steps. Keep up with yard work. Tall grass, out-of-control weeds and overgrown shrubs can make a house look abandoned.