Do I need unoccupied property insurance if my second home is unoccupied?

If you have a second home that’s unoccupied for long periods, you’ll need unoccupied property insurance. But if your second home is unoccupied for fewer than 30 days at a time, most standard home insurance policies will provide the cover you need. What if I’m a landlord and my property is unoccupied between tenants?

What is vacant and unoccupied home insurance?

Vacant and unoccupied home insurance is a type of niche homeowners insurance product that is designed to cover homes that are uninhabited for months at a time. Vacant home insurance can protect your home against vandalism, burglary, and some weather-related damage — though it varies by insurer.

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.