Vacant or Unoccupied Property Insurance

If your home will be vacant for an extended period, such as during a long renovation or while it’s on the market, it may be excluded from your regular policy. Here’s how to stay covered:

• Vacant Home Endorsement: Adds coverage for extended vacancies, reducing the risk of denied claims for issues like vandalism or burst pipes.
• Short-Term Vacancy: If you’ll be away for just a few weeks or months, check with your insurer if a vacancy endorsement is necessary to avoid a lapse in coverage.
• Rental Properties: If you rent out your property, consider a landlord policy, which is tailored for rental scenarios and includes coverage for tenant-caused damages.