Do I Need Vacant Home Insurance? 
Yes , if you own a home that is vacant you can still be held liability for damage to the home and liability . For example , if that home catches fire and causes damage to a neighbors house , if someone gets hurt on the property etc. . If there is a mortgage on the home the bank will require insurance . While you are not required by law to have insurance on a vacant home , you leave yourself open for major lawsuit if you do not cover it . 