Vacancy Insurance
Coverage specifically for vacant or unoccupied properties where standard policies restrict coverage during extended vacancies.
Key Benefits
Coverage available for vacant properties
Covers vandalism and theft during vacancy
Covers loss of rental income while vacant
Protection for seasonal vacant periods
Allows extended turnover periods
Ideal For
Seasonal properties
Properties between tenants
Long-term renovation projects
Properties being prepared for sale
Coverage Highlights
- •Vandalism coverage during vacancy
- •Theft protection
- •Malicious damage coverage
- •Loss of income during vacancy
- •Seasonal property coverage
Average Cost
$300-$800/year additional
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Vacant properties auto-excluded (limited coverage only)
Any vacancy voids coverage (specific periods apply)
Expense prohibitive (affordable rider)
Only for emergency situations (available proactively)
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