Vacancy Clause

A vacancy clause is a provision in homeowner's insurance policies that can limit or eliminate coverage if your home is unoccupied for a specified period—typically 30-60 days.

Why Vacancy Clauses Exist: Vacant homes pose higher risks:

• Increased vandalism and theft
• Undetected water damage
• Fire hazards without occupants
• Maintenance issues go unnoticed
• Squatters and liability risks

  Common Vacancy Clause Terms:

• Coverage reduced after 30-60 days vacant
• Certain perils excluded (vandalism, water damage)
• Some policies void coverage entirely
• Different rules for "vacant" vs. "unoccupied"

  Vacant vs. Unoccupied:

• Vacant: No one living there AND no furnishings
• Unoccupied: Furnished but no one currently living there

  Many policies treat these differently.

  When to Worry About Vacancy:

• Extended vacations (60+ days)
• Homes for sale
• Probate/inherited properties
• Seasonal homes
• Rental properties between tenants
• Renovation projects

  Options for Vacant Properties:

1. Notify your insurer 2. Purchase vacancy endorsement 3. Get vacant property insurance 4. Have someone check regularly 5. Use timers for lights 6. Maintain the property

Disclosure: Always inform your insurer about extended vacancy—failing to do so could void your coverage entirely.