Your homeowners policy stopped covering that house 30 days after they moved out.
Cover for a property nobody is living in — probate, renovation, or on the market. A standard homeowners policy suspends most of its own coverage once a house is vacant, and does it without telling you.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What vacant home insurance businesses actually need.
Vacancy without the exclusion
The policy is written knowing the house is empty, so vacancy is not a breach of it.
Without it — Standard forms suspend vandalism, glass, water damage and theft after 30 or 60 days vacant.
Vandalism and malicious mischief
The loss an empty property actually suffers.
Without it — This is the first coverage a vacancy clause removes, and the most likely claim.
Liability
Claims by anyone injured on the property, invited or not.
Without it — An empty property attracts entrants, and the owner’s duty of care does not pause with the occupancy.
What vacant home insurance operators ask us.
How long can a house be empty before it is a problem?
Most homeowners policies define vacancy at 30 or 60 consecutive days and then suspend specific perils — typically vandalism, glass breakage, water damage and theft — rather than cancelling the policy. That distinction is what catches people out: the policy is still in force, still being paid for, and no longer covers the losses an empty house is most likely to have. Check your own form for the vacancy provision, because the number differs by carrier.
The house is empty because we are renovating. Same thing?
Not quite, and the difference matters. Active renovation usually calls for a builders risk or a vacant policy with a renovation endorsement, because the exposure is not just the empty building but the work itself, the materials on site and the contractors’ liability. If the project is structural or the house is uninhabitable, say so when you ask for the quote — placing it as a straightforward vacant risk and then having a contractor injured on site is how a claim gets denied for misrepresentation.