What is vacancy and how does it affect my policy?
Vacant dwellings face increased risk for loss or damage.
Vacancy means all occupants have moved out (and are not returning) or occupants have not yet moved in. A home could still have furnishings, and be considered vacant.
Most insurers will only insure a vacant property for a certain number days. The first 30 days of vacancy has limited coverage. In order to arrange coverage after 30 days, you must connect with us, otherwise, coverage may cease.
Unoccupied has a different meaning; your home is unoccupied with the intent to return, such as while you are on vacation.
Please connect with us to ensure that you have adequate coverage to protect you and your family.
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