Does Homeowners Insurance Cover Vacant Homes?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Usually not.  A Homeowners Insurance policy will cover a home so long as it is your primary residence and is fully occupied.  Those are two very important provisions that can be found throughout the industry.  If for whatever reason a house is left vacant andsomething happens, then because those two provisions are no longer met, the insurance company can certainly deny coverage.

   Answered on June 25, 2013

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