Vacant Home Insurance?


How much does it typically cost to insure a vacant home?

Vacant Home Insurance Explained

Owners of vacant homes know that keeping the building secure against theft and vandalism is essential, but many people overlook the importance of having adequate insurance coverage. Vacant home insurance is specifically designed to protect structures that are unoccupied, and it is a must-have for all property owners.

What is Vacant Home Insurance?

Vacant home insurance is a type of property insurance policy that provides coverage when the home is unoccupied and the owner is not residing there. Most conventional homeowners policies provide coverage only when the home is occupied and will not continue to pay claims if the building is vacant. Vacant home insurance will step in and provide necessary coverage in such cases.

What does it Cover?

Vacant home insurance is designed to offer protection for the following risks:

    • Liability: Protection from lawsuits or damages caused by the owner of the vacant home.


    • Vandalism and Theft: Covers damage that occurs as a result of theft or vandalism.


    • Habitational Risk: Includes liability for death or injury of someone on the property.


    • Fire and Weather Damage: Protection if the home is damaged due to fire, hail, wind, or other weather-related events.


It is important to note that most vacant home insurance policies will not cover the cost to repair damage caused by the negligence of the owner, such as water damage due to an overflowing toilet or a roof leak.

How Much Does it Cost?

The cost of vacant home insurance depends on several factors, including the condition of the property, the age of the structure, and the location of the property. Generally, vacant home insurance costs about 30% more than a standard homeowners policy. It is important to shop around for the best rates in order to get the most value for your money.


Vacant home insurance is essential for any property owner who is not living in the home or who has the home up for sale. It is designed to protect against liability, vandalism, theft, fire, and weather damage. Though it is more expensive than a standard homeowners policy, it provides important coverage that is often not available with other policies.

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