Unoccupied Home Insurance
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Typical homeowners insurance policies won t cover fire vandalism liability or other types of claims on an unoccupied or vacant property.
Unoccupied home insurance. Insuring an unoccupied home home insurance companies typically require you to contact them and request an endorsement or a special permit for a home that will be unoccupied for 30 to 60 consecutive days. But farmers offers insurance options and features that can provide coverage for vacant property. Unoccupied and vacant home insurance are specialty insurance products that are designed to provide financial protection from damage or loss of a home that is uninhabited.
In fact some insurers won t cover them at all. Vacant home insurance whether you re waiting for a home to sell looking for the right tenant or doing renovations owning a vacant property comes with special risks.