No One’s Home—Now What? How To Insure Your Vacant Property

May 26, 2025
A bedroom with furniture


Why Vacant Homes Are High-Risk



  1. Delayed Detection of Damage: Small issues like leaks or pests can go unnoticed and cause major damage.

  2. Higher Risk of Vandalism or Theft: Empty homes are attractive targets for break-ins.

  3. Increased Fire Risk: Faulty wiring or arson becomes a greater threat without anyone present.

  4. Liability Concerns: If someone is injured on the property—like a trespasser or maintenance worker—you could still be held liable.

What Is Vacant Property Insurance?

  • Fire and Smoke Damage
  • Vandalism and Theft
  • Water Damage (from burst pipes, etc.)
  • Liability Protection
  • Storm and Wind Damage

When Do You Need Vacant Property Insurance?

  • You’re renovating a property and not living in it.
  • The home is for sale but currently empty.
  • You're between tenants in a rental property.
  • You’ve moved out but haven’t sold your home yet.

Tips for Managing a Vacant Property

  • Install security cameras or a monitored alarm system
  • Have someone check on the property regularly
  • Winterize the home if it’s in a cold climate
  • Turn off non-essential utilities
  • Maintain the yard to avoid signs of neglect

Final Thoughts

At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE


Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.

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