If my house is left vacant, can my insurance company cancel our insurance coverage?

Yes, if your house is left vacant, your insurance company may cancel your insurance coverage or make changes to your policy. A vacant home is considered a higher risk by insurance companies because it is more vulnerable to damage from vandalism, theft, weather, and other perils. The exact policy on coverage for vacant homes can vary between insurance providers and policies, but in general, if your home is vacant for a certain period of time, your insurance company may require you to purchase additional coverage or may cancel your policy altogether. Some insurance policies define a vacancy as a home that has been unoccupied for 30 or more consecutive days. Other policies may have a shorter or longer period of time before a home is considered vacant. It's important to review your insurance policy and speak with your insurance provider to understand their specific requirements for vacant homes. If you plan to leave your home vacant for an extended period of time, you should inform your insurance provider in advance and discuss your options for maintaining coverage. Your insurance company may be able to offer you a vacant home insurance policy or a policy endorsement that provides coverage for specific risks associated with a vacant home. It's important to note that if you do not inform your insurance provider of a vacancy and a loss occurs, your insurance claim may be denied. Additionally, if you fail to maintain coverage for a vacant home and a loss occurs, you may be personally liable for any damages or losses. In summary, if your house is left vacant, your insurance company may cancel your insurance coverage or require you to purchase additional coverage. It's important to review your policy and speak with your insurance provider to understand their specific requirements for vacant homes and to ensure that you have appropriate coverage in place.