Insurance and Your Unoccupied or Vacant Dwelling

Aegis Insurers

The risks to your homeowners policy is higher during times when your home is empty. Therefore, your insurance company will likely require notification if your home will be unoccupied or vacant for a period of time, such as 30 days. There are slight shades of difference between the terms unoccupied and vacant. Unoccupied generally means that the home is temporarily empty and that the owner will be returning. A vacant dwelling has no current occupant. Insurance companies view these differently and have much more rigid requirements for a vacant dwelling, if they will cover them at all. Aegis Insurers has a great deal of experience in this niche market and can tailor a policy to meet your needs.

Reasons Why a House May Be Empty

There are many reasons why a residence may be unoccupied. Some of the more common are:

  • The owners are snowbirds, spending six months in the North and six months in the South
  • The owners could be on an extended vacation
  • The house may be undergoing renovation
  • The house may be for sale

Whatever the reason for the lack of occupancy, you need to make sure that your investment is protected by your homeowners insurance or by a separate Unoccupied Home Insurance Policy.

Risks to an Empty House

Some of the increased risks to an empty house are the danger of pipes bursting in the winter, the risk of break-ins or vandalism, fire or explosion, wind or hail damage, and other catastrophic weather-related damage. Contact an expert in the field, such as Aegis Insurers, to discuss your coverage needs and provide you with sleep insurance.


photo credit: Images by John ‘K’ cc