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How Vacancy Can Affect Your Homeowners Policy

Did you know that a vacant or unoccupied home can result in limitations and reductions in your homeowner’s insurance? Possible scenarios such as being in the process of transitioning from one home to another or moving an older family member to a nursing facility could have an impact on coverage if the insurance company deems a home was vacant or unoccupied at the time of a loss.

Most insurance companies specifically define vacant and unoccupied, but, generally, vacancy is when there are no personal items or furniture within the dwelling while an unoccupied home has furniture present, but personal…

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