Your Property May Be Empty. Your Protection Shouldn't Be.
Whether your home is between tenants, undergoing renovations, or waiting to be sold, the right insurance can help protect your investment. Explore vacant home insurance options with SkyBlue Insurance.
More Options. Better Choices.
Explore insurance options through SkyBlue's network of insurance providers across multiple product lines.
Carrier logos represent relationships across various insurance products. Vacant-property insurance availability, eligibility, and coverage vary by carrier and location.
Why Vacant Homes Need Special Attention
A property doesn't stop facing risks simply because nobody lives there. Empty homes can be exposed to theft, vandalism, water damage, and other unexpected incidents.
Standard homeowners insurance may limit or exclude certain coverage when a property remains vacant for an extended period. The exact rules depend on your policy.
Vacant home insurance can help address eligible risks associated with properties that are temporarily empty or unoccupied.
Common Risks for Vacant Properties
Coverage for Different Types of Vacant Properties
From residential homes to commercial buildings, explore insurance solutions based on your property's situation and eligibility.
Vacant Home Insurance
Explore protection options for residential homes that are temporarily vacant or awaiting occupancy.
Vacant Apartment Insurance
Insurance options for eligible apartment properties and rental units experiencing vacancy periods.
Vacant Building Insurance
Explore coverage for qualifying buildings that are empty, unused, or awaiting their next purpose.
Vacant Commercial Property
Discuss insurance options for qualifying empty offices, storefronts, and commercial spaces.
Empty Home Insurance
Explore insurance options for homes between residents, during transitions, or awaiting sale.
Vacant Property Insurance
Explore insurance solutions tailored to eligible vacant properties and their intended use.
Getting Started Is Easy
Tell us about your property and let an experienced SkyBlue agent help you explore your options.
Tell Us About Your Property
Provide the location, property type, condition, and reason for vacancy.
Review Available Options
A SkyBlue agent can help you explore eligible insurance options based on your needs.
Choose Your Coverage
Review policy terms, limits, deductibles, and pricing before making your decision.
Don't Leave Your Property's Protection to Chance.
Whether your home is vacant for a few months or you're preparing a property for its next chapter, we're here to help you explore insurance options.
Helpful Vacant Home Insurance Articles
Learn about vacant property risks, insurance considerations, and practical tips for property owners.
Reasons for Vacant Home Insurance
Understand why an empty property can face unique risks and why your existing homeowners policy may not provide the protection you expect.
Read Article →What to Know When Buying Vacant Homes
Purchasing an empty property? Learn about maintenance issues, security risks, and insurance considerations before buying.
Read Article →Tips for Selling a Vacant Home
Discover ways to prepare an empty property for buyers while considering security, upkeep, and insurance needs.
Read Article →Vacant Home Insurance FAQs
Answers to common questions about protecting properties that are not currently occupied.
What is vacant home insurance?
Vacant home insurance is a type of property insurance intended for qualifying homes that are empty or unoccupied. Available protections depend on the carrier, policy terms, and property characteristics.
Does homeowners insurance cover a vacant house?
Some homeowners policies restrict certain coverage after a property has been vacant for a specified period. The exact vacancy conditions and exclusions vary by policy, so review your documents and speak with an agent.
How long can a house be vacant before insurance is affected?
Some policies include vacancy provisions after 30 or 60 days, while others use different definitions or time periods. Check your specific policy rather than assuming a universal deadline.
Can I insure a home that is being renovated?
Insurance options may be available for eligible properties undergoing renovations. The scope of work, occupancy, property condition, and other underwriting factors can affect eligibility.
Can I get vacant property insurance for a rental between tenants?
Depending on the property's status and expected vacancy period, coverage may be available. An agent can help determine whether a vacant-property policy or another solution is appropriate.
How much does vacant home insurance cost?
Pricing depends on location, property value, condition, vacancy duration, intended use, coverage limits, deductibles, and carrier requirements. Request a quote for pricing specific to your property.
