Can I keep insurance on a vacant home?

Submitted by Anonymous (not verified) on Thu, 12/04/2008 - 15:47

Can I keep my Home Owners Insurance even if I'm not currently living in the home? I've been living in another city while looking for work, my insurance company said that since I had a change of address I am no longer owner occupant. How can I keep insurance on the property should I need to move back in?

Posted: 05 Dec 2008 12:56 Post Subject:

Can I keep my Home Owners Insurance even if I'm not currently living in the home? I've been living in another city while looking for work, my insurance company said that since I had a change of address I am no longer owner occupant. How can I keep insurance on the property should I need to move back in?

Homeowner policies contain a requirement that the residence is "owner-occupied" for single-family homes, and that at least 1 of the dwellings be owner-occupied in a multi-family residence, like a duplex or similar.

While I understand that you may move back into the house, what are you doing with the home currently? Is it vacant, rented to others, or simply unoccupied? The answer to this question will let me know what your next step should be. As well, how long (if known) are you going to out of the residence? Is this house on the market? :?: :?: :?:

More information from you will allow us to give you more information back. Thanks!

InsTeacher 8)

Posted: 05 Dec 2008 10:58 Post Subject:

Hey, I think you are required to maintain coverage on the home as long as you are the owner of it. I know of people who maintain more than one house but have coverage in all of them. If you drop the policy you'll then not receive any coverage for the damages.

Posted: 05 Dec 2008 11:11 Post Subject:

Is this house on the market?

I'd also like to know the same thing. In every possibility I think that the owner is trying to sell his property off and therefore the insurance company has asked him to cancel the coverage.

my insurance company said that since I had a change of address I am no longer owner occupant.

This statement is kinda dubious…moving to another city doesn't necessarily mean that you have lost your ownership. Are you still paying for the mortgage? Is the title still on your name?

Posted: 05 Dec 2008 11:27 Post Subject:

There has to be some type of insurance out there. I can understand the high risk to an insurance compnay with an unoccupied home. It has higher risks of burglery, fire and other damages since it would be a n easier target. Probaly whatever insurance the poster does find will have a higher price to it because of these factors. Insurance teacher asked some pretty important questions and I would imagine once thnose are answered then someone here can give him a lot better to answer.

Posted: 05 Dec 2008 05:31 Post Subject: vacant home insurance

In every possibility I think that the owner is trying to sell his property off and therefore the insurance company has asked him to cancel the coverage.

guest-diva, this isn't the point. The insurance company cannot cancel, nor can they require the insured to request cancellation of a homeowner insurance policy just because the owner is trying to sell the house. Nope, can't be done. :!: :!:

There is a difference between vacant and unoccupied. A vacant home is one that has been "vacated." In other words, there are no personal possessions, furniture, etc. in the home. It's "vacant." An unoccupied home is simply a house where "nobody's home" at the time. When you're at work, the home is unoccupied. When your family goes on vacation, the home is unoccupied. Drastic differences in the policy language between vacant and unoccupied.

Finally, there are absolutely ways that you can cover this exposure. The key is that in order to continue a homeowner's policy on the house, the contract requires that the owner actually live in the home. That's the seeming key to the OPs question, and we need to info in order to properly address the situation and let the OP know how he CAN cover the home to satisfy the mortgagee requirements for hazard insurance.

InsTeacher 8)

Posted: 11 Dec 2008 03:09 Post Subject:

Is there anyone living in the home now? If not, how long will it be unoccupied?

Posted: 01 Aug 2010 01:10 Post Subject: Homeowners ins if not living in home

My 80 year old mother is currently living in an elderly apartment complex due to health issues. She owns a home she is not living in. Her insurance co. has told her they can no longer insure the house because she is not living there. Is there some type of policy available for this type of situation. The home is currently on the market for sale. Thank-you

Posted: 02 Aug 2010 07:01 Post Subject:

Talk to your agent about a "fire dwelling" policy, also known as a "dwelling form" as opposed to a "homeowner's" policy. This can take care of the house while it's not occupied by the owner.

InsTeacher 8)

Posted: 06 Aug 2010 06:01 Post Subject:


You may need to consider a vacant property policy. Most homeowners insurance and dwelling fire insurance policies have a vacancy clause that will either limit or even suspend coverage if the home is considered vacant.

The definition of vacant is also somewhat vague. However, if your mothers belongings are still in the home, the utilities are still on and you are able to check on the property frequently, it would be hard to classify that as vacant.

Posted: 07 Aug 2010 05:54 Post Subject:

Hans . . .

Follow the advice of InsTeacher, and seek a "Dwelling Form" policy (DP-1, DP-2, or DP-3). Find a local agent to work with in determining which is most suitable for your situation.

DP-1 is the most basic and least expensive. Limited coverage for loss due to fire, lightning, internal explosion, and vandalism and malicious mischief. Theft is excluded under all DP forms (an inland marine form can cover all of the personal property if necessary).

DP-2 and DP-3 policies offer "broad form" and "special form" coverages, with greater protections, but also more exclusions. Your agent can explain this more fully.

It sounds like mom will not be returning. Homeowner's may be inappropriate due to the vacancy factor. Is there a family member who might be interested in occupying the residence? That could keep the HO policy alive.

Posted: 07 Oct 2010 12:08 Post Subject: vacant home insurance

I have vacated my home in North Carolina because I cannot continue mortgage payments..Is it mandatory for me to keep homeowners insurance until it sells or forcloses? I am a widow and a sr. citizen.

Posted: 08 Oct 2010 08:04 Post Subject:

You should look in the terms and conditions section of your policy. Ask them about insuring it as a secondary policy and get a primary policy at the location which you moved. It will have to be with the same insurance carrier though. Or you can look at a vacant policy which is typically 3x more than HO3 policy.

Posted: 09 Oct 2010 06:36 Post Subject:

I have vacated my home in north carolina

Chances are there is a vacancy clause in your contract that relieves the insurer of some or all of the responsibility to pay a claim.

Posted: 10 Nov 2010 04:31 Post Subject: vacant home

In Texas what could one expect a $100,000 home to add in premium for a vacancy clause? Just in general - I know you can't be specific - but I live next door to my sisters house which will be vacant when she moves soon while she is trying to sell it. We will maintain it and check on it.

Posted: 24 Aug 2011 07:07 Post Subject: unoccupied home

Dad is in assisted living. We have been at the house almost everyday, getting it ready to sell. A friend in the insurance industry said for a home to be considered "occupied" he should come home a single night every 2 months. Is this accurate to the letter of the law if not the intent?

Posted: 10 Sep 2011 08:35 Post Subject: Hazard insurance

We own a second home, it is just in my husbands name. We live in our joint home.
We have hazard insurance on the one in just his name. There was a fire today, bad. I looked at the insurance paperwork and it says that it's based on owner occupied.
While my husband does not live there, the house was occupied by our nephew, as we did not want to leave it vacant.
He does not pay rent, he is just a family member making sure nothing happens to it :(
It is not on the market, we were actually waiting for the marked to get a little bit better before selling.

What I need to know is, if we are still covered since even tho my husband doesn't live there, it's not vacant or a rental.
Should my husband say he lives there occasionally?

Posted: 11 Sep 2011 04:33 Post Subject:

Since the dwelling was occupied, the vacancy issue is moot. But the "owner-occupied" status may be problematic.

Was it known to the insurance company as a second home? Does your husband spend any time there on a regular basis? If not, the proper coverage would have been a "dwelling" policy.

Did your husband obtain the insurance on his own or through an agent? If he used an agent, was the agent aware of the occupancy issue? If the agent was, and the coverage was applied for incorrectly, then your husband may have a claim against the agent's Errors & Omissions insurance if your husband's insurance company denies the claim.

File the claim with your husband's insurance company and answer their questions honestly and see what happens. The coverage may actually still apply, but only to the damage to the structure . . . any contents not your husband's would not be covered.

Posted: 26 Sep 2011 11:27 Post Subject: Insurance

I have a homeowners policy and my grown kids occupy the residence. I actually live elsewhere in the city. Is my homeowners policy still valid. There is no rent.

Posted: 27 Sep 2011 04:59 Post Subject:

Yes, it should still be valid.

Since, family members are residing in your house and not tenants, I don't think there should be any problem as long as premiums and regular maintenance of the house are taken care of.

Posted: 27 Sep 2011 06:01 Post Subject:

Unless these "family members" are IRS-qualified dependents, the answer is NO.

Although you retain insurable interest in the structure and fixtures, you do not want to "own" the LIABILITY for the negligent acts of the "tenants" you are passing off as "family members". And unless you have provided all of the furnishings, their clothing, and all their other personal property, you do not have insurable interest in any of that stuff, so your policy would not pay for the loss to any of it. To attempt to make a claim for that stuff as if it were yours is INSURANCE FRAUD, and that's usually worth about 5 years in prison.

You should have a "Broad Form" Dwelling Policy to cover your liability (for your negligent acts as the property owner) and the structure and fixtures (all risks that are not excluded are covered -- so you look at the list of exclusions to determine your exposure, and possibly choose to add riders to cover any of the important exclusions you see), your "tenants" need a renter's policy to cover their contents/personal property.

To continue to do this as you currently are is not the best situation for all persons involved.

Posted: 03 Nov 2011 03:20 Post Subject: INSURANCE


Posted: 03 Nov 2011 09:00 Post Subject:


The tenant cannot purchase a true homeowner's policy, like a HO-2, HO3, etc. The only form available for renter's is called a "Tenant Homeowner" contract, usually called a "renter's" policy. In the business it's known as a HO-4.

This only provides protection for the tenant's personal property, personal liability and med pay and additional living expenses. It does not provide any coverage for the structure or outbuildings, like a "real" homeowner's policy would.

InsTeacher 8)

Posted: 07 Nov 2011 05:35 Post Subject:

A renters policy provides protection only to the tenant's own contents, liability, medical bills and ALE but not the the actual property.
For financial protection against damage to the property, Landlord's insurance is needed. Landlord's insurance provide legal protection against lawsuits arising from injuries suffered by a tenant or a visitor to the property. Landlord's insurance is like a homeowners insurance with few differences.

Posted: 09 Nov 2011 03:29 Post Subject:


What my colleague, InsTeacher, inadvertently left out of his entirely accurate response was the reason the tenant cannot purchase a homeowner's policy: LACK OF INSURABLE INTEREST. This is the foundation underlying all insurance contracts. If you don't own it, you cannot insure it. All you can do is insure yourself and your personal property.

Posted: 16 Jul 2012 03:31 Post Subject: death of parent, not owner occupied

Ins. says, NC law requires notice & know your rights.renewal of pollicy, dwelling is not owner-occupied & therfore ineligible for this type policy, There is a manager,caretaker living in house & on property at all times
What is the solution?

Posted: 17 Jul 2012 06:19 Post Subject:

You obtain a DWELLING POLICY to cover damage to the structure (you probably want a DP-3 policy) and liability losses. It does not cover your tenant's personal property.

Posted: 27 Aug 2012 10:06 Post Subject:

my utility has been off in my home for 1 year my home is paid for and been unoccupied for 1 year . i paid my homeowner insurance for that year does my policy cover my home if there is any damge to my home

Posted: 28 Aug 2012 10:25 Post Subject:

my home is paid for and been unoccupied for 1 year . i paid my homeowner insurance for that year does my policy cover my home if there is any damge to my home

Your home will have only limited coverage. None for vandalism & malicious mischief (VM&M), none for freezing of water pipes. If the property is going to remain vacant, you need to speak with your agent and get the proper coverage -- IMMEDIATELY.

Posted: 17 Sep 2012 05:41 Post Subject: What kind of ins. do I need?

I have been a WI homeowner for over 50 years. Recently moved to FL. I havent sold my home in Wi yet, want to know what kind of insurance do I need. my Grandaughter and family are living in it now, so it is occupied.

Posted: 24 Oct 2012 10:01 Post Subject: House insurance

I have a second home that my wife's mom use to live in until she passed away.
The house is still furnished but nobody is living there. I frequently check the place and the utilitys are in our name. My question is what type of insurance do I need.

Posted: 24 Oct 2012 03:11 Post Subject:

You need a Dwelling Policy (DP-1, -2, or -3) to cover the structure and installed fixtures. Due to the vacancy issue, it generally will not cover Vandalism and Malicious Mischief (VM&M) or other contents unless you add endorsements for the specific coverages. Other exclusions may also apply. Work with a local agent to find the most appropriate coverage for your needs.

Posted: 05 Mar 2013 01:22 Post Subject: Do I need to pay rent

My mother passed in 2011 and my sisters and I are co-owners of her house. I am currently residing there with my son and husband. I was recently told that I may have to start paying rent at the house in order for the homeowner's insurance to be kept. Is this true or does the home even need to be occupied for the insurance to stay alive. The person who spoke to the ins. company did tell them that some one was in the home but NEVER stated that I was one of the co-owners. Will I have to pay for something I'm owning????

Posted: 05 Mar 2013 06:26 Post Subject:

I was recently told that I may have to start paying rent at the house in order for the homeowner's insurance to be kept. Is this true or does the home even need to be occupied for the insurance to stay alive

While it is true that an unoccupied dwelling will not necessarily have the full coverage provided under a homeowner's policy, there is no requirement that anyone pay "rent" for the insurance to be in or remain in force. If that were true, what would homeowners do who no longer had mortgage payments to make?

The homeowner's insurance simply needs to be in the names of the property owners, one of whom needs to occupy the dwelling. If no owner occupies the dwelling, then you don't need homeowners, you need a dwelling policy.

If your name is not on the homeowners policy, your personal property inside the dwelling is not covered by that policy, and you would need a renter's policy to cover it.

Sounds to me like you need to talk to a local, experienced insurance agent or broker about your insurance needs, not your friends who don't know what they are talking about.

Posted: 21 May 2013 06:54 Post Subject: Home owner insurance

I recently purchased another home and my other home is going to be occupied by my sister can I be on both insurance policies or do I need renters insurance ?

Posted: 28 May 2013 05:14 Post Subject:

Renters insurance is for the person who occupies the dwelling -- it covers their personal property more than anything else.

As the owner of the property you need a Dwelling Policy -- probably a DP-3.

Work with a local agent/broker to determine your coverage needs and find the best policy to provide that coverage.

Posted: 23 Jul 2013 03:40 Post Subject: Home owner not living in home, but friend is living in it

My sister is in the Nursing home. She still has her Home owners insurance, but a family is living in her house. No rent charged,but they pay for the insurance and taxes for living there. Can the insurance remain just as it is

Posted: 23 Jul 2013 05:03 Post Subject:

ABSOLUTELY NOT! Your tenants have no insurable interest in the property, and it is probably unlawful to make them pay for the insurance and taxes. None of those things are their responsibility.

Your sister, if she is the only one on title, needs to change her coverage from homeowners to a dwelling policy. The tenants need their own policy to cover their personal property and to provide themselves with liability coverage for any damage thay cause to the home.

If your sister is legally incapacitated, then someone needs to petition the court to be appointed conservator of her estate. Once that person has been appointed, he/she may take care of changing the insurance. Someone needs to talk to the insurance company ASAP about this situation before anything dreadful happens.

The longer you wait to take care of this, the more difficult your situation will be in the event of a claim. And "no rent charged" while at the same time paying taxes on the property could actually expose the property to a "squatter's rights" claim of possession. Let me take a wild guess here . . . you have nothing in writing that could be described as a rental agreement or lease, do you?

This is a bad situation that would really become horrible. You might not even be able to evict these folks if you were to ask them to leave and they refused.

Get competent legal advice IMMEDIATELY!!

Posted: 06 May 2015 11:05 Post Subject: renters moved

Renters moved having to do minor repair my take two months what type of coverage do I need

Posted: 13 May 2015 02:16 Post Subject:

If you have a DP policy, you are covered.

Posted: 24 Feb 2017 07:53 Post Subject: Vacant property in Chicago IL

My mother died in December of 2016 ,she had no home owners insurance on her home . I am the executor of the estate, how can i get home owners insurance on a home ?

Posted: 24 Feb 2017 07:53 Post Subject: Vacant property in Chicago IL

My mother died in December of 2016 ,she had no home owners insurance on her home . I am the executor of the estate, how can i get home owners insurance on a home ?

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