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Vacant and Unoccupied Property Insurance

Vacant home insurance helps to protect unoccupied and empty houses. Learn how to provide coverage for your vacant property today.

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Insurance for Vacant and Unoccupied Homes*

You’re selling your home to pursue new things — good for you. But if you’re moving out while your home is still on the market, you might want to look into specialized vacant home insurance to make sure your unoccupied home stays protected from the unexpected. Let’s see how else this coverage gives you peace of mind.

Why do you need vacant property insurance?

Consider these common scenarios:

  • You moved into a new house but haven't sold your former — now vacant — house while it's for sale.
  • You're selling a vacant home you inherited and need to insure it while it's on the market.
  • You purchased a new home that needs renovation and/or repairs before you move in. When the home is empty, damage from a storm or other means may go unnoticed for extended periods of time, compounding the damage. Having vacant home insurance can give you much-needed peace of mind knowing your home is protected should the unexpected occur.

Unoccupied Homeowners Insurance to Meet Your Needs*

American Family Insurance offers customized vacant home insurance plans to meet your specific needs. In addition to basic vacant home insurance coverage, you can add coverage for attached structures or personal property, such as lawnmowers and snow blowers used to maintain the property.

Policy lengths are variable depending on how long you need to insure your vacant home and are available in three-, six- or 12-month terms.

If selling, buying or renovating a home is in your future, make sure to contact your American Family Insurance agent to ensure your vacant home is properly protected. If you’re trying to sell your home, check out our tips on staging your home for sale so you can quickly be on your way to your new home.