A Short Guide To Vacant Home Insurance

If you own a home, most people know that home insurance is a must. This is especially true if your home is currently vacant.  Whether you’re waiting for the home to sell or doing renovations, vacant homes are vulnerable to many of the same risks that an occupied home is and often even more. Luckily, vacant home insurance can help protect your empty property.

What Is Vacant Home Insurance?

Vacant home insurance is a type of insurance coverage that is specifically designed to protect unoccupied homes. It protects against a variety of different risks that unoccupied homes tend to face.

What Risks Does Vacant Home Insurance Protect Against?

Unoccupied homes tend to face a greater level of risk than occupied homes. From an increased probability of break-ins to slower emergency response times, good insurance is a must-have. Some of the risks covered by vacant home insurance are:

  • Theft
  • Vandalism
  • Fire
  • Explosions
  • Wind
  • Hail
  • Lightning

How Much Does Vacant Home Insurance Cost?

The price of vacant home insurance can vary widely depending on a number of different factors. Some of these factors are:

  • Your home’s location
  • Your claim history
  • The extent of the coverage you need

Leaving a home vacant comes with a lot of added risk. Vacant home insurance can help protect your home while you are away.