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Ieuter Insurance Group Blog

All You Ever Wanted to Know About Insurance

Vacant Home Coverage

Is your home vacant?  Are you trying to sell your old home, but not having any luck?  Did someone pass away and you are working with estate issues, but the home is vacant?   Please don’t think you can slip it by the insurance company by not telling them the home is vacant and have the proper coverage.  Insurance companies have built in vacancy exclusions into their policy. 

After 30 days, exclusions for items such as frozen pipes, vandalism, and others start to appear.  So it is best to be honest with your insurance agent so they can obtain the correct coverage.  It will cost more to insure a vacant home, but it could avoid having costly uninsured losses.