Vacant Homes
Unoccupied homes 30+ days.
![An empty kitchen.](https://cdn.prod.website-files.com/621cfb3e9e2a2100c22d7cc4/62e149e132fa857dbcd9bf67_vacant_home_insurance_melissa_ems_insurance_1200_800.webp)
If your home is vacant more than 30 days - with the exception of seasonal & secondary residences - regular homeowners policies will not extend coverage. A common circumstance we see often is when a family home in inherited. Until the home is sold or occupied, it would need a special policy to accommodate the vacancy status.
Vacant policies will cover the structure and liability coverages and can be written for short term or long term in 1 month increments up to 12 months.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
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Fill out the form, and we will get back to you ASAP!