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Vacant Home Insurance in Florida

When a Home Is Empty, Standard Insurance May Not Apply

If a home sits empty, your existing homeowners policy may reduce coverage — or stop covering claims altogether. Many Florida policies restrict or exclude coverage once a home is considered vacant. Whether you’re selling a property, handling an estate, renovating, or between occupants, vacant home insurance helps protect the property during this transition period. We help match the policy to your home’s actual occupancy status, so there are no surprises at claim time.

Vacant vs. Unoccupied — Why the Difference Matters

Unoccupied Home

A furnished home where the owner is temporarily away, such as extended travel or seasonal absence.

Vacant Home

A property that is empty of people and personal belongings — often triggering policy restrictions after a set time period.

Timing Thresholds

Many policies change coverage after 30, 60, or 90 days of vacancy. We confirm timelines before placing coverage.

Vacant Dwelling Policies

Specialty policies designed for vacant homes, offering coverage during sale, renovation, probate, or tenant turnover.

Vacancy Endorsements

In some cases, an endorsement can temporarily extend coverage on an existing policy — if done correctly and on time.

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Common Florida Situations That Require Vacant Home Coverage

Vacant homes are common in Florida, especially during transitions. We regularly help clients insure homes that are being sold, inherited through probate, vacant between tenants, under renovation, or sitting empty as a second or seasonal home. Florida’s hurricane exposure, water damage risk, and theft concerns make proper documentation and placement critical. Insurers may require steps like water shutoff, routine inspections, security measures, or storm preparation — we’ll guide you through what’s needed and help document it properly.

Our Process

1

Confirm occupancy status and expected vacancy timeline

2

Identify coverage gaps in existing policies

3

Place the correct vacant home or endorsement coverage

4

Assist with documentation and inspections if required

Will Homeowners Insurance

Cover a Vacant House?

The table below explains how coverage typically changes when a home is empty.

Situation Standard Homeowners Policy Vacant Home Policy
Temporarily Unoccupied May remain in force Not required
Vacant Over 30–60 Days Often restricted Designed for this
For Sale or Probate Usually limited Appropriate coverage
Renovation in Progress Often excluded Specialized options
Storm, Theft, Vandalism Storm, Theft, Vandalism Limited or excluded Covered (per policy)

Not sure how your home is classified? We’ll help determine it quickly.

 Common Questions About Vacant Home Insurance in Florida

  • Will my homeowners insurance cover a vacant house in Florida?

    Often no. Many policies limit or exclude coverage after a home is vacant for a specific period.

  • How long can a house be vacant before insurance won’t cover it?

    Common thresholds are 30, 60, or 90 days, depending on the carrier and policy.

  • What’s the difference between vacant and unoccupied?

    Unoccupied means temporarily empty but furnished. Vacant means empty of people and belongings.

  • Can I insure a vacant home while selling it?

    Yes. Vacant home policies are commonly used during home sales.

  • Can you insure an inherited or probate property?

    Yes. We frequently place coverage for inherited homes during estate settlement.

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Get the Right Coverage Before a Claim Happens

Vacant home insurance doesn’t have to be complicated — but it does need to be handled correctly and quickly. We guide you step by step, confirm the occupancy details, and place coverage that matches the situation. Our Jupiter-based team serves property owners across Florida & Beyond, from Palm Beach Gardens and Tequesta to Miami, Orlando, Tampa, Jacksonville, and Naples.

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