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Vacant home insurance provides coverage when no one is home.

Vacant Home Insurance - Hardwood Floors and Exposed Wooden Beams of a Vacant Penthouse Apartment after a Renovation with Multiple Rooms and View of Bathroom

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It’s your home and your investment. Safeguard it with vacant home insurance.

When is your home considered vacant?

While the specific period of time varies from policy to policy, on average a home is considered vacant after being unoccupied for 30 days. This means that no one is living in the home for any number of reasons, including the home being for sale, a gap in between tenants, or vacancy due to remodeling or renovations. When it is vacant, a house can also become an attractive nuisance. For instance, it can bring unwanted attention from thieves or vandals, all of which increase the risk of property damage or loss simply because no one is home.

What are the risks associated with vacant homes?

Vacant homes by default have an increased risk for things like fire, flooding, and theft since there is no one to monitor them on a regular basis. For example, if a heating system fails, causing a pipe to burst, the water damage might not be discovered for days or weeks. The prolonged period of time can cause even more damage than if the issue was addressed immediately. Another example is if the home has a full mailbox, the lawn is unmowed, or the property has other signs of vacancy. In this case, someone could break in, cause damage, and steal appliances or furniture. Not only are the risks increased, but the level of coverage needed is as well.

  Why do you need to insure a vacant home?

If your home will be unoccupied for a period of time, you need vacant home insurance to protect your home and your investment, since home insurance only covers homes that are occupied.

What does a vacant home insurance policy cover?

A vacant home insurance policy may cover specified risks such as fire, flooding, wind, hail, and theft, depending on your coverage options. It may also cover the costs of repairing or even replacing your home if it is damaged or destroyed. In addition, it may cover liability claims that you can be held responsible for, such as bodily injury or damage to someone else’s property. Criminal acts like vandalism and other property damage can be covered as well. The important thing to remember is that your regular home insurance policy can reject coverage if the home is vacant when a loss occurs. That’s why it’s essential to have the right policy in place. Another factor is that, like any other insurance coverage, the policy needs to be in place before an incident occurs to be covered.

Real-world examples of how insurance protects vacant homes.

The same risks that face homes and other properties also apply to vacant homes. However, with vacant homes, there is an increased likelihood of certain risk factors. A home could be broken into by the previous owners of a foreclosed home who then destroy the interior. A small fire could start and damage neighboring homes before being stopped. A home under renovations could have appliances and fixtures stolen. These are the kinds of risks that may be covered in a vacant home insurance policy.

Do you have a house that’s currently unoccupied or will be soon? You may need vacant home insurance to help protect your investment. Contact us to discuss your coverage options.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact One Street Insurance Group

Our Aurora, CO Office

1010 South Joliet Street
Suite 200
Aurora, CO 80012

Email Us
 303-577-9922 fax

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Vacant Home Insurance Quote Request

Application information

Current Address
Own or Rent?
Date of Birth

Co-Applicant Information

Date of Birth

Other Drivers

Driver #1

Date of Birth

If current student, please answer:

Driver #2

Date of Birth

If current student, please answer:


Vehicle #1

Vehicle #2

Vehicle #3

Vehicle #4

Vehicle #5

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Home Information

Do you have a declaration page you can send us?
Is the property currently insured?
Is this a new purchase?

Property Information:

Central Alarm:
Pool/Hot Tub:
Do you have a dog?
Bite History?

A few final questions about other services we offer.

Umbrella Insurance:

In short, Umbrella Insurance protects you when the limits of your auto, homeowners, or other personal liability insurance policies are exhausted and you face potential lawsuits and/or millions of dollars of damages. Umbrella Insurance Policies provide coverage for bodily injury and property as well as things your regular policies don’t normally cover.
Would you like more information about umbrella coverage?

Life Insurance:

Life Insurance, quite simply, is an insurance policy that pays a beneficiary or beneficiaries of your choosing in the unfortunate event of your death. Unlike most insurance policies, you may never see the benefits of the policy but the people you care about and rely on you surely will.
Are you interested in a life insurance quote or current policy review?

Commercial Insurance:

If you own your own business we would love the opportunity to insure that as well. We have the ability to insure most business types, have several companies that we work with and offer most policy types.
Would you be interested in a commercial insurance quote?
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Don’t like forms? Contact us at 303-577-9998 or email us.

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