Looking for Vacant Home Insurance in the Kansas City Metro and Beyond?
There may come a time when a traditional homeowners policy, requiring regular occupancy and personal belongings, does not fit your specialty home.
Newly inherited homes, residences left on the market or properties with minor self-renovations may find themselves unoccupied for more than 30 days with no personal contents. Most standard homeowners policies will limit coverage to only 30-60 days, meaning vacant home protection should be a part of your strategy.
What can vacant home protection cover against?
Damage to the dwelling structure from the following events will be covered by most policies:
- Fire
- Wind (may be limited in coastal areas)
- Theft
- Lightning
- Hail
- Explosion
- Vandalism
You should read your vacant insurance policy to be familiar with its limitations and exclusions. Limited coverage is provided and exclusions apply.