Vacant Home Insurance
The main purpose of coverage for a
Vacant Dwelling Insurance or
Vacant Building Insurance is to protect you against losses you cannot afford to sustain. Few people have the financial resources to rebuild their homes or buildings if they are destroyed.
In this economy, we find that a lot of people don't understand that if your house is not owner occupied or tenants occupying, the house needs to be written as a vacant home.
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Liability Insurance Coverage is to protect you from financial ruin if someone is injured on your property and sues for damages.
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Other Structures is optional and it covers detached structures such as gazebos, detached garages, and detached pools.
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Personal property If the home is fully furnished you need a lot more coverage. If the home is not, you still have to consider appliances and other items that would fall under personal property.