Does Homeowners Insurance Cover A Vacant Home? 
Most Home Insurance policies will only cover a vacant or unoccupied home for a short time -LRB- 60 or 90 days -RRB- before they impose coverage limitations . I have seen policies with much higher deductible for `` vacant '' homes . Most wo n't cover burst plumbing or theft/vandalism if the house is ruled vacant at the time of a claim . If you have a vacation home , most seasonal home policies understand that the house will be unoccupied for large periods of time , and address that in their coverage terms . There are vacant home policies that are designed for unoccupied homes . If your home is for sale , or has been unoccupied for a long periodic time I suggest you talk to an insurance agent about getting a vacant home policy . Foremost Insurance and Vacant Express are two companies that specialize in vacant home coverage . 