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Homeowners Insurance Expires After 90 Days If Your Property Is Vacant

In the homeowners insurance world, most homeowners insurance policies from the major insurance carriers will not provide coverage on your home, property, or building if it has been vacant for 90 days or more. 90 days is the typical cut off time to consider a property vacant and thus uninsurable under standard homeowners insurance policies. This is a situation where your home would qualify for a special type of homeowners insurance called vacant home insurance.

If your home does become vacant, your insurance company is not going to check in with you every few months to make sure someone is living in there. As a homeowner, you need to take the initial steps and understand the insurance rules to make sure you continue coverage on your home. However, you can be sure if something does happen on the home and your insurance company needs to pay out, they will do all of the research to determine if the home had been vacant thus voiding the policy. Many homeowners do not even know about the termination of coverage in the event of vacancy until it is too late and their biggest asset, their home, is left uninsured and unable to be repaired if damaged.

The 90 day vacant period seems like a long time, but goes by quite quickly. Imagine if you have a vacation home that is unoccupied during the off season. Or if you have a home that is for sale and has been ont eh market over 90 days without you (the primary resident) living in it. Of if you are the caretaker of an estate and the inhabitants of the dwelling passed away. It can sometimes take months just to get the estate in order making the need for vacant dwelling insurance a pressing matter. If you are renting an apartment and are between tenants. The list of possible reasons for a homes vacancy goes on but the point is that 90 days comes sooner than anyone realizes.

Bottom line is vacant homes need vacant home insurance. If you personally own the property or it is part of a trust, LLC, partnership, or corporation, we are able to work with you for your vacant building / vacant home need.

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