What Is Vacant Home Insurance and Do I Need It?

If you own a second home that you leave vacant anywhere from 3 to 36 months, it is recommended that you invest in vacant home insurance in order to keep an eye on it. Here are a few reasons why this type of insurance would help you.

What is it?

Vacant home insurance protects your home financially if it is vandalized while you’re away. There comes a point in a child’s life when they are no longer afraid of abandoned homes, as if they’re haunted. These rambunctious youth are the most common offender of vandalism, but animals, weather, and burglars are also a threat. Even if you have neighbors checking in on your house every now and then, that doesn’t give you the financial protection you need in case of a break-in.

vacant home

How much does it cost?

Every insurance company is different, but most vacant home policies are slightly more expensive than a regular homeowner’s policy. However, it is possible to get an addendum to a homeowners policy that covers vacant homes; you just have to be sure it covers everything you need.

Other Concerns

If you have yet to build a home but are wary of insect infestation or vandalism to your vacant lot, Heuer Insurance has the best policies and coverage for you. It is not uncommon to have this kind of insurance throughout the home-building process, as there will not be anyone living in and protecting the home yet.

Do your research before picking the policy that’s best for you, and protect every aspect of your home.