Although it’s not as common as insuring a primary residence or vacation home, it can be important at times to insure a home that nobody currently lives at. Such homes are often the target of thieves and vandals. There are various reasons for covering an empty house, and you can do it with empty house insurance.
Before you get this type of policy, you’ll have to explain to your insurer exactly why you want it. Is the house being sold? How long will nobody be living there? Will somebody check on the house regularly? All these are important questions and you should have the answers before you go to get quotes.
Keep in mind that homeowners insurance policies require that somebody be living at the residence. If there is nobody, the policy will typically expire after a certain amount of time. Then you’ll need vacant house insurance.