Vacant Dwelling Insurance
Protection While Your Property Sits Empty
Homes that sit vacant face risks that standard homeowners policies don’t fully cover. Whether your property is for sale, between tenants, under renovation, or temporarily unoccupied, we provide insurance designed specifically for vacant dwellings across West Texas.
What Your Vacant Dwelling Insurance Can Include
Dwelling Coverage
Covers damage to the structure from fire, wind, vandalism, or other covered events while the home is unoccupied.
Liability Protection
Provides coverage if someone is injured on your vacant property and you’re found legally responsible.
Vandalism & Theft Coverage
Protects against intentional damage or theft of fixtures and appliances left in the home.
Named Perils or All-Risk Options
Choose from basic or broader protection based on how long the property will be vacant.
Flexible Policy Terms
Options for 3, 6, or 12-month coverage depending on your situation.
Renovation Coverage
Includes protection during remodeling or repairs, which are typically excluded from standard homeowners policies.
Tailored for Texas Vacancy Risks
Empty homes need extra protection in West Texas
Unoccupied homes in West Texas face unique challenges—from fast-changing weather to the potential for break-ins or unnoticed damage. In smaller towns like Abernathy or larger markets like Lubbock, homes may sit empty between tenants or while families wait to move. Standard home policies often reduce or remove coverage after 30 to 60 days of vacancy. We offer dedicated vacant dwelling coverage that fills that gap and protects your property until it’s lived in again.
Frequently Asked Questions
How is vacant dwelling insurance different from homeowners insurance?
Vacant dwelling insurance is designed for homes that are unoccupied for 30 days or more. Standard homeowners insurance may deny claims during extended vacancy due to higher risks like vandalism, water damage, or delayed response times. A vacant policy ensures continued protection while the home is empty. It’s essential if you’re between tenants, renovating, or waiting for a sale.
What types of properties need this coverage?
Single-family homes, rental properties, and second homes may all need vacant dwelling insurance during periods of non-use. This includes homes undergoing renovations or those inherited through estate situations. If your home will be empty for more than a month, we’ll help determine whether a vacant policy is right. It’s better to adjust coverage before an issue arises.
How long can a property be insured as vacant?
We offer flexible policy terms for vacant homes—typically in 3-month, 6-month, or 12-month increments. If the home becomes occupied again, we can switch it back to a homeowners or landlord policy. In Texas, 60 days of vacancy is usually the cutoff for standard policies to remain in effect. We’ll guide you through the timeline and coverage transitions.
Does this insurance cover vandalism or theft?
Yes, but only if it’s included in the policy—some vacant dwelling policies exclude vandalism or theft unless specifically requested. We recommend adding this coverage, especially if appliances or fixtures remain in the home. Homes that appear empty are often at higher risk for break-ins. We’ll make sure you’re not left exposed.
Can I insure a home that’s being renovated?
Yes, but not all policies allow for remodeling or major construction, so it’s important to disclose the work being done. We offer options that include renovation-related risks like structural changes or temporary exposure to the elements. If you’re upgrading a vacant home before moving in or renting it out, we’ll ensure your policy reflects that reality. The goal is full protection—even while improvements are underway.
