Question

Where can I find vacant home insurance for my grandmother's house?

My grandmother's home is vacant after she went into an assisted living facility. My mom stands to inherit the house when her mother passes away. The existing homeowners insurance dropped coverage because it's a vacant home. Where can I find new coverage?

Jun 10, 2020 Birch River, WV

Answer
Ross Martin

Jun 10, 2020

Vacant or unoccupied homes are still covered under many homeowners plans. You'll just want to specify that the home is vacant upfront as you search for a new plan. It is a common underwriting guideline that a company will either insure or not insure vacant homes. You may also want to consider lowering coverage to just a dwelling plan if the home is empty of possessions. This will open the door to more companies being willing to insure it. 


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