Protect Your Empty Property with Confidence Leaving your home unoccupied for an extended period? Whether it's due to a renovation, relocation, or a home sale in progress, an unoccupied property faces unique risks. We provide specialized Vacant Home Insurance policies to ensure your property is protected when no one’s living in it.
Standard homeowner insurance policies typically do not cover homes left vacant for more than 30–60 days. Vacant properties are more vulnerable to:
Vandalism
Theft
Water damage
Weather-related losses
Liability issues
A vacant property insurance plan fills those gaps by providing flexible, temporary coverage tailored to your situation.
You may benefit from vacant home insurance if:
Your home is on the market but not yet sold
You’ve moved but haven’t rented or sold your previous home
You’re renovating or rebuilding a property
You’re dealing with a foreclosure or estate
The home is a secondary property not currently in use
Our vacant dwelling insurance includes:
Property damage protection (from fire, storm, or vandalism)
Liability coverage (in case someone gets injured on your vacant property)
Optional coverage for contents or structures like garages and sheds
Flexible policy durations: 3, 6, or 12 months
We also recommend pairing your policy with General Liability Insurance for added protection if contractors or third parties visit your property.
We understand every property and situation is different. That’s why we offer:
Policy customization to fit your timeline and budget
Coverage for both residential and rental properties
Options to add theft or vandalism protection
Speak with our California-based insurance experts today to find the perfect protection plan for your empty home.
We provide trusted and affordable homeowners insurance tailored for California residents. Our goal is simple: to help you protect your home, belongings, and peace of mind with coverage that fits your life. With expert guidance and flexible options, we’re here to make insurance easy and reliable.
