Can I get homeowners insurance for a home I’m not living in?

Yes, it is possible to get homeowners insurance for a home you are not living in. This type of insurance is commonly known as vacant home insurance. Vacant home insurance provides coverage for homes that are unoccupied for an extended period. This can include homes that are in the process of being sold, homes that are under renovation, or homes that are awaiting occupancy. It is important to note that standard homeowners insurance policies typically do not provide coverage for unoccupied homes, as they are considered a higher risk. Vacant home insurance policies will typically provide coverage for risks such as fire, theft, vandalism, and liability. The cost of vacant home insurance will depend on several factors, such as the location of the home, the age and condition of the home, and the level of coverage you require. It is important to note that vacant home insurance policies may have restrictions on coverage, such as a limit on the amount of time the home can remain unoccupied or specific requirements for maintaining the home while it is unoccupied. It is recommended that you review the terms and conditions of any vacant home insurance policy carefully to ensure that you understand the coverage provided and any restrictions or requirements that apply. In summary, if you own a home that is not currently occupied, you can purchase vacant home insurance to provide coverage for risks such as fire, theft, vandalism, and liability. The cost and terms of vacant home insurance policies will vary based on several factors, and it is recommended that you carefully review any policy before purchasing to ensure that it meets your specific needs.