Vacant Home Insurance That Helps Protect Your Property.
If your home will be unoccupied for an extended period, the right insurance can help protect your investment. Our agents compare options from 20+ top-rated carriers to help build insurance solutions tailored to vacant homes.
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Your Home Still Needs Protection—Even When No One's There
With FirstMark Insurance’s dedicated personal insurance team, you get local experts comparing coverage from over 20 insurance carriers to help protect your vacant home, personal investment, and financial future—with strong coverage and competitive pricing.
Vacant Home Insurance
If your home will be unoccupied for an extended period, it's important to understand how that may affect your insurance coverage. Whether you've moved into a new home, inherited a property, are preparing to sell, or your house is undergoing renovations, a vacant home can face risks that differ from an occupied residence.
Many standard homeowners insurance policies have limitations when a home remains vacant for an extended period. Depending on the circumstances, additional insurance may be needed to help protect your property while it is unoccupied.
When Might You Need Vacant Home Insurance?
A vacant home policy may be appropriate if your home is:
- Listed for sale after you've moved out
- Waiting for new occupants
- Undergoing renovations or repairs
- Part of an estate or inheritance
- Temporarily vacant due to relocation
- Unoccupied for an extended period for another reason
Coverage Options to Consider
Depending on your property and policy, coverage options may include:
- Dwelling Coverage: Helps protect the home from certain covered losses.
- Other Structures Coverage: Protection may be available for detached garages, sheds, fences, and similar structures.
- Personal Property Coverage: Coverage may be available for certain belongings that remain in the home.
- Liability Coverage: May help protect against certain claims involving injuries that occur on the property.
- Additional Coverage Options: Other insurance solutions may be available based on your home's unique circumstances.
Protect Your Home While It's Vacant
Vacant homes can be more susceptible to issues such as vandalism, theft, weather damage, or unnoticed maintenance problems. Reviewing your insurance before leaving your home unoccupied can help you better understand your protection options.
Our team can help you compare Vacant Home Insurance options from multiple carriers to find coverage designed around your property, timeline, and insurance needs throughout Washington.