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Vacant home insurance provides coverage when no one is home.

Protect your home and investment with vacant home insurance.

Understanding Vacant Homes

When is a Home Considered Vacant?

Generally, a home is deemed vacant after being unoccupied for about 30 days, depending on the insurance policy. This includes scenarios such as the home being on the market, between tenants, or undergoing renovations. Vacant homes can attract unwanted attention, increasing the risk of damage or theft.

Risks Associated with Vacant Homes

Vacant homes are vulnerable to heightened risks like fire, flooding, and theft due to lack of regular monitoring. For instance, a burst pipe from a failed heating system may go unnoticed, causing extensive water damage over time. Signs of vacancy, such as a full mailbox or an unmaintained lawn, can attract intruders who may cause damage and steal property. Adequate coverage is crucial to mitigate these risks associated with vacant properties.

If your home will be empty for an extended period, vacant home insurance is essential to safeguard both your property and investment. Standard home insurance typically covers only occupied homes, making specialized coverage necessary for unoccupied properties.

Understanding Vacant Home Insurance Coverage

What Does Vacant Home Insurance Cover?

Vacant home insurance typically covers specific risks such as fire, flooding, wind, hail, theft, vandalism, and liability claims. Coverage options may vary, but these policies often include repair or replacement costs for your home if it’s damaged or destroyed. It’s crucial to note that standard home insurance may deny claims if the home is vacant during a loss, underscoring the importance of having appropriate coverage in place beforehand.

Real-World Examples of Coverage

Vacant homes face similar risks as occupied properties but with increased vulnerabilities. For instance, a foreclosed home may be targeted by previous owners who vandalize it, or a small fire could spread to neighboring properties. Vacant homes undergoing renovations might also be susceptible to theft of appliances or fixtures. These risks highlight the importance of having comprehensive coverage under a vacant home insurance policy.

Protect Your Investment

If you have an unoccupied home or one that will be vacant soon, consider vacant home insurance to safeguard your investment. Contact us to explore the coverage options available for your specific needs.

Find Your Coverage

We’re here to help you explore your coverage options

Contact Copeland Insurance Agency

Contact by Office Location

Let’s Get Started

STEP 1

Fill out the form.

STEP 2

Review your options with us.

STEP 1

Get the coverage you need.

Vacant Home Insurance Quote Request

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At Copeland Insurance Agency we’ve always been dedicated to serving the insurance needs of our customers with quality products, caring service, and affordable pricing so they can protect what they’ve worked so hard to build.

We are licensed in Arizona, Colorado, Kansas, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, and Texas.

 

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Vacant home insurance offers coverage when the property is unoccupied.

Find Your Coverage

We’re here to help you explore your coverage options

Contact Copeland Insurance Agency

Contact by Office Location

Let’s Get Started

STEP 1

Fill out the form.

STEP 2

Review your options with us.

STEP 1

Get the coverage you need.

Vacant Home Insurance Quote Request

Name(Required)
How can we help