Vacant versus unoccupied
Policies may use these terms differently. Generally, an unoccupied home still has furniture and belongings but no one living there, while a vacant home has been emptied of most contents. The difference can matter, so read how your policy defines each one and how long the home can be vacant before coverage changes.
What a vacancy clause can do
- Exclude vandalism and malicious mischief after a set period
- Exclude glass breakage
- Limit water damage from frozen pipes unless heat is maintained or water is shut off
- Reduce payments for other covered losses
Vacant home policies
When an estate home will sit empty for a while, a vacant home policy or dwelling fire policy designed for unoccupied properties can fill the gap. Coverage options vary: some cover only named perils such as fire and wind, while others add vandalism or theft for an extra cost.
What insurers ask
Expect questions about how long the home will be empty, how often someone visits, whether utilities stay on, whether the heat is set to prevent freezing, whether there is a monitored alarm and what the plan for the house is. Renovations also matter, since construction raises fire and theft risks.
Keeping coverage valid
Follow any conditions in the policy, such as keeping the heat on or shutting off the water. Keep a simple log of visits. If the plan changes, such as a tenant moving in, tell the insurer.
Keep receipts
Save utility bills and visit logs; they show heat was maintained and the home was checked.
Frequently asked questions
Is a vacant home policy more expensive?
Vacant homes are often priced higher than occupied ones because the risks are greater. Compare options.