A Short Guide To Vacant Home Insurance

If you are planning on leaving your home uninhabited for an extended period of time, such as during a vacation, while living in a second home, or while selling a property, you should be aware that your home is exposed to significantly higher amounts of risk when there is no one keeping an eye on it.  Luckily, you can obtain vacant home coverage to help protect your home while it’s uninhabited.  

What Is Vacant Home Coverage?

Vacant home coverage is a collection of insurance policies specifically compiled to address the specific risks your home is threatened by while it is uninhabited.  You can customize vacant home coverage however you want, but it almost always will include policies to protect against crime and vandalism, the biggest threats your home will face while unoccupied.

How Much Does Vacant Home Coverage Cost?

The cost of vacant home coverage can vary a lot.  This is because there are numerous factors considered by insurance providers when deciding how much to charge you.  Some of these factors are:

  • Your location
  • Your claim history
  • Your property’s value

Ultimately, the higher your risk level, the more you’ll have to pay.

Leaving your home unoccupied increases the chances that it’ll fall prey to crimes like vandalism and burglary.  Luckily, vacant home coverage can help.

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