Is it legal to own a house but not live there and be on the homeowners policy

UPDATED: Oct 9, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Oct 9, 2018Fact Checked

Free Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Asked October 9, 2018

1 Answer

It is difficult to have insurance on an unoccupied or vacant home. The reason being is because these homes are at a greater risk for theft, weather or fire related accidents, and vandalism. Insurance companies require that if a home be vacant for thirty days or more it is considered unoccupied and it should be stated in your policy’s vacant clause. Some insurance companies also require that you have a permit or endorsement which you will be charged for. Vacant home insurance is more expensive and extremely hard to get depending on the company. Some companies just rather not insure vacant homes all together. In the state of Pennsylvania there isn’t any state requirements regarding homeowner’s insurance. Even though this is true, some mortgage companies themselves require policy holders to carry some type of insurance. Unoccupied insurance helps prevent damage and loss of the home all together. Yes, this insurance is hard to get but can be beneficial over a period.

If you are planning on rent out the house, you would need to look into landlord insurance.

Answered October 11, 2018 by bestrates

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption