You Should Know: Homeowners Policy - Vacancy Exclusion

Posted By Jay Toole
January 09, 2018 Category: Homeowners, Insurance

Inside your Homeowners Policy there is an exclusion for vacancy. This means that you would not be covered if your property was vandalism or freezing of plumbing if the building was vacant for 60 consecutive days immediately before the loss.  Scenerio: Bob has a property across town that he does not live in or rent out. The property has been vacant for 90 days. Some teenagers decided to graffiti the side of the house. This would NOT be covered under his homeowners policy because it has been vacant for 60 days prior to the vandalism.    What qualifies a property or building as vacant? A property or building will qualifiy is it has been vacant for 60 consecutive days or more.  Are frozen pipes ever covered if the building was vacant? The isured can potentially be covered if they used reasonable care to maintain the heat. Insurance can be boring and confusing at times- but not to us! Have a question on your policy that is stumping you? Give us a call at 440-349-3670 or email at