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Vacant or Unoccupied Dwelling Insurance - Let us find your best coverage - coverage for empty homes
Most homeowners policies limit coverage after 30-60 days vacant; a vacant dwelling policy keeps the property protected. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Vacant or Unoccupied Dwelling Quote Request
Applicant Information:
Have these handy
- Why the home is vacant and for how long
- Utilities on or off
- Condition of roof and systems
- Plans for the property
Related coverage
Coverage details
What Vacant or Unoccupied Dwelling coverage includes
Most homeowners policies limit coverage after 30-60 days vacant; a vacant dwelling policy keeps the property protected.
- Dwelling - Repairs or rebuilds the home after fire, wind, theft and other covered losses.
- Vandalism and malicious mischief - Available as an option for vacant homes.
- Premises liability - Injuries on the property, including trespassers.
- Other structures - Fences, sheds and detached garages.
- Flexible terms - 3, 6 or 12-month policies.
Good to know: winterize the home and have someone inspect it weekly.
Not covered: theft of fixtures and freeze damage unless the home is heated or winterized.
Insurance Application:
Vacant or Unoccupied Dwelling
Required forms
Vacant or Unoccupied Dwelling Supplemental Application (PDF)
Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm