Did you know that there are different types of homeowner’s insurance depending on the occupancy of the home? It might not be obvious, since the property is still the same regardless of who’s occupying it, right? However, when it comes to insurance, that’s not the case. Policies are written differently depending on whether the home is the owner’s primary residence, secondary or seasonal home, or if it’s a property rented to others. 
But what if the house is vacant? First, we’ll need to define vacant. For example, you might leave your house unoccupied for a week or two while on vacation, but that doesn’t mean it’s vacant. When it comes to insurance, a home is considered vacant when it has been unoccupied and unattended for a period of either 30 or 60 consecutive days, depending on your insurance company. Once the home is vacant, you’ll lose some of the coverages on your policy, such as coverage for vandalism and theft. If you leave your home vacant for even longer periods of time, your insurance company might decide not to continue insuring you altogether. There are policies written specifically for vacant homes, but they are usually more expensive and offer less coverage than a standard homeowner’s policy. Make sure to keep your insurance provider updated with any changes in occupancy to ensure that you’re properly covered!