Most Home Insurance policies will only cover a vacant or unoccupied home for a short time (60 or 90 days) before they impose coverage limitations. I have seen policies with much higher deductible for "vacant" homes. Most won't cover burst plumbing or theft/vandalism if the house is ruled vacant at the time of a claim.
If you have a vacation home, most seasonal home policies understand that the house will be unoccupied for large periods of time, and address that in their coverage terms.
There are vacant home policies that are designed for unoccupied homes. If your home is for sale, or has been unoccupied for a long periodic time I suggest you talk to an insurance agent about getting a vacant home policy. Foremost Insurance and Vacant Express are two companies that specialize in vacant home coverage.
Chief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778
Vacancy is a gray area. Having said that, a homeowners insurance policy is designed to be owner occupied. Most of these policies will have a clause for vacancy. Generally, it is 60 days. If you do not occupy the home for 60 days or more, and have a claim, the company will have the right to deny it based on the contract. Many times it becomes tough for the homeowners insurance carrier to prove the last time you stayed at the home and some clients truly don't remember. Each company can have different vacancy clauses- I advise reading yours very closely if you will not be occupying the home.
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If you have a vacation home, most seasonal home policies understand that the house will be unoccupied for large periods of time, and address that in their coverage terms.
There are vacant home policies that are designed for unoccupied homes. If your home is for sale, or has been unoccupied for a long periodic time I suggest you talk to an insurance agent about getting a vacant home policy. Foremost Insurance and Vacant Express are two companies that specialize in vacant home coverage.