Homeowners

What's the difference between vacant and unoccupied home insurance?

The distinction matters because the underwriting and pricing differ. An unoccupied home (furnished but residents away for an extended period like a long vacation or work assignment) can often be covered through an endorsement to the existing homeowners policy. A vacant home (empty of contents, no one living, often in transition) typically requires a separate vacant home policy because the risk profile changes substantially: no one is monitoring for water leaks, vandalism is more likely to go undetected, and the property is more attractive to theft. Disclose your situation honestly when binding either coverage; misrepresenting vacant as unoccupied can be a coverage defense.

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What's the difference between vacant and unoccupied home insurance?

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