Is My Vacant Home Covered?

Is My Vacant Home Covered?


A Texas Personal Insurance Update

Under most home insurance policies, when a property has been vacant for more than 60 consecutive days before a loss or damage occurs, there is NO COVERAGE for vandalism and other losses. Our agency offers options that can help protect your property whether you own a vacant home, condo or other eligible residential property.

Criminals watch your home and know when your house is vacant or when you are on vacation. Vacant homes also create a liability risk if children play in or around your home and you are not there to provide proper maintenance.

If you leave your home vacant, there are some insurance issues to consider:

  • Most homeowner’s policies exclude vacant property.
  • Call us today to arrange proper coverage for your vacant home.
  • Consider adding security and additional lighting to make it look like someone is living in the home.
  • Make arrangements to have the lawn and the outside of your home maintained while you are away.

Your policy may exclude losses for vacant property if you don’t endorse coverage. Call our office if you are thinking of leaving your home vacant for any long period to determine what you need to do to ensure you are protected in the event of a burglary or unexpected incident.

Heaton Bennett Insurance is an Independent Insurance Agency, which means we represent many different companies so we can find the one that is right for you. We can shop your insurance for you instead of you having to call around.

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