Unoccupied Home Insurance: Protecting Your Vacant Property in the U.S. (2025 Guide)
Leaving a home empty for weeks or months is more common than ever—whether you’re traveling, renovating, moving, or waiting for a sale. But did you know that standard homeowners insurance usually won’t cover damage or theft if your property is unoccupied for more than 30 days? In 2025, unoccupied home insurance is essential for anyone with a vacant or temporarily empty property. Here’s everything you need to know, including the latest costs, real claim stories, and expert tips to keep your investment safe. What Is Unoccupied Home Insurance? Unoccupied (or vacant) home insurance is a special policy that protects your property when no one is living there for an extended period—typically 30 days or more. Standard home insurance often excludes coverage for vandalism, theft, burst pipes, and other risks if the home is left empty too long. Key definitions: Unoccupied: Home still has furniture and belongings, but no one is living there. Vacant: Home is empty of people and per...